Travel
Insurance
Packed and ready to go
Your Travel Insurance Policy documents inside
postoffice.co.uk/travel
Relax... we’ve got you covered
Introduction to Your Policy
Thank you for choosing to insure with the Post Office®
This policy document provides You with
the terms, conditions and exclusions of the
insurance cover, together with information
that will help You in the event of an
emergency. The policy contains different
levels of cover, some of which do not
apply unless You have paid the appropriate
additional premium. Conditions and
exclusions will apply to individual Sections
of Your policy while general exclusions,
conditions and notes will apply to the whole
of Your policy.
The enclosed policy will outline everything you need to know about your
cover. Have a read and make sure you’re completely happy. If you have
any problems or questions please don’t hesitate to call us on any of the
numbers below:
Useful numbers
Cover options
To make a claim
See pages 48 to 49 for more information
Whether you’re off to the slopes or planning
to shop till you drop on holiday, check out
our great cover options for a more tailored
policy, see page 22.
For a Medical Health Declaration
Call 0330 123 3690
Call 0333 333 9702
Call 0330 123 3690
See pages 5 to 6 for more information
For Emergency Medical Assistance
Call +44 (0) 208 865 3074
See page 6 for more information
To talk about Your Policy call the
Customer Care team
Call 0330 123 3690
2
IF YOU ARE DEAF OR HARD
OF HEARING: The following textphone
number is available for deaf, hard of hearing
and speech impaired customers who have
access to a minicom telephone
Call 0330 123 3690
We will provide the services and benefits
described in this policy:
•during the Period of Insurance
•within the Geographical Limits
•subject to the Limits of Cover, and all other
terms, conditions and exclusions contained
in this policy
•to persons who habitually reside in
Great Britain, Northern Ireland, the Channel
Islands or the Isle of Man (i.e. have their
main home in Great Britain, Northern
Ireland, the Channel Islands or the Isle
of Man and have not spent more than
6 months abroad in the year prior to
purchasing the policy) and are registered
with a GP in Great Britain, Northern Ireland,
the Channel Islands or the Isle of Man
•following payment of the appropriate
premium for the level of cover selected
Benefits under this policy are underwritten by
Great Lakes Reinsurance (UK) PLC and
administered by Collinson Insurance Services
Limited. This policy is effected in England and
is subject to the Laws of England and Wales.
Collinson Insurance Services Limited is
authorised and regulated by the Financial
Conduct Authority.
Great Lakes Reinsurance (UK) PLC is
authorised by the Prudential Regulation
Authority and regulated by the Financial
Conduct Authority and Prudential Regulation
Authority. The above details can be checked
on the Financial Services Register at:
www.fsa.gov.uk/register/home.do
Cover under Section P, End Supplier Failure,
is provided by International Passenger
Protection Limited, IPP House, 22-26 Station
Road, West Wickham, Kent BR4 0PR, United
Kingdom and is underwritten by Certain
Underwriters at Lloyd's (The Insurer).
Please read this document and Your Policy
Certificate very carefully to ensure You
understand the extent of the cover, exactly
what is and is not covered, the conditions of
cover, and that this meets Your requirements.
If You are unsure whether something is
covered or excluded, please contact the
Customer Care team on the telephone
number opposite.
Please keep this document in a safe place and
take it with you when you travel in case you
need assistance or need to make a claim.
3
Useful Numbers
2
Introduction to Your Policy
3
Medical Health Declaration
Contents4
Important Health Requirements
5
• Medical Screening Service
6
• Emergency Assistance 24 Hours A Day
6
• Cancellation or Curtailment Cover for Non Insured Persons
6
• Reciprocal Health Agreements
7
Schedule of Benefits
8
Meaning of Words
12
At the time of taking out or renewing
this insurance You must use the Medical
Screening service in the following
circumstances:
Important Information
17
Your Policy
18
1)
You need to declare a Medical Condition.
Geographical Areas
20
2)
Additional Cover Options
22
Y
ou answer YES to any of the following
questions:
Sections of Cover
23
A – Cancellation or Curtailment
23
a)
W
ithin the last 2 years, have you or
anyone on this policy, had any surgery,
inpatient, or outpatient treatment or any
referrals or investigations of any sort?
This includes being on a waiting list.
b)
H
ave You, or anyone on this policy
within the last 2 years:
B – Emergency Medical and Additional Expenses
25
C – Hospital Benefit
26
D – Personal Accident
27
E – Baggage
27
F – Personal Money and Passport
28
G – Delayed Departure
29
H – Missed Departure on Your Outward Journey
29
I – Personal Liability
30
• Sports and Activities
J – Optional Sports and Activities
31
32
K – Winter Sports
33
L – Business Cover
34
M – Golf Cover
37
N – Cruise Cover
37
O – Legal Protection
39
P – End Supplier Failure
40
General Conditions Applying to Your Policy
41
General Exclusions Applying to Your Policy
44
Making a Claim
48
Complaints Procedure
50
Cancellation of Your Policy
51
Data Protection Act 52
Financial Services Compensation Scheme
53
Great tips for a hassle-free trip
54
4
•
•
You will not be covered for anything that
arises from, is related to, or has been caused
by ANY Pre-existing Medical Conditions
unless You have told us about ALL the
conditions and We have agreed to cover
them in writing.
If anyone has an undiagnosed Medical
Condition (for example, if waiting for tests,
investigations or treatment), or has been given
a terminal prognosis, this policy will not cover
any related claim against Section A Cancellation or Curtailment and Section B Emergency Medical and Additional Expenses
Disclosing or discussing a medical condition
during your purchase in-branch is not
t aken prescription medication, or
sufficient, you must contact the medical
received any medical treatment for ANY screening service on 0330 123 3690 and
Medical Condition. This will not apply to complete a Medical Health Declaration to
common colds, flu or contraceptive
avoid the risk of not being covered for health
medication.
conditions under the policy. Additional
R
eceived any medical advice or treatment premiums and or endorsements may apply.
for any respiratory condition relating to
If You have a change in health after You have
the lungs or breathing?
taken out this insurance, We reserve the right
R
eceived any medical advice or treatment to alter the terms of this insurance based on
the change. Cover under Sections A for any heart, stroke, diabetic condition?
Cancellation or Curtailment, Section B • S
uffered from anxiety, depression or any
Emergency Medical and Additional Expenses,
psychological condition?
or Section D - Personal Accident of the policy
3) If you are unsure as to whether a
will only continue to be provided where the
condition should be declared, we
change in health has been declared and
recommend that you contact the
accepted by Us. You should notify the
Medical Screening service for advice.
Medical Screening Service on 0330 123 3690
•
5
as soon as You are aware of a change in
health, failure to do so could result in a claim
being declined.
Your policy documents. The policy will be
sent to You with confirmation of purchase.
Should You decide not to pay any additional
This insurance policy is designed to cover you premium quoted then we will not be able to
offer you a policy.
for unforeseen illnesses and accidents
occurring during the Period of Insurance.
You should also refer to “What is not
covered” – applicable to all sections of
Please refer to the ‘Cancellation or
the policy.
Curtailment Cover for Non Insured Persons’
section for terms that apply for non-travelling
Cancellation or Curtailment Cover for
immediate relatives, a travelling companion
Non Insured Persons
not insured by this policy and people that you
intend to stay with.
A Close Relative who is not travelling with
Pregnancy and childbirth: Cover under this
policy is provided for unforeseen events.
In particular, cover is provided under
Section B - Emergency Medical and
Additional Expenses, for unforeseen bodily
injury or illness. Pregnancy and Childbirth are
not considered to be either an illness or injury.
For the avoidance of doubt, please note that
cover is ONLY given under Sections A, B and
C of this policy for claims arising from
Complications of Pregnancy and Childbirth.
Please make sure You read the definition of
Complications of Pregnancy and Childbirth in
the Meaning of Words.
Medical Screening Service
If You need to use the Medical Screening
Service then the process is straightforward
with questions about Your Medical
Conditions, medication, trips to Your Medical
Practitioner, and other related matters.
As a result of Your answers, Our criteria of
assessment may impose special terms such as
an additional premium, this will be advised to
You immediately in the screening service and
will form part of the terms and conditions in
6
You, a travelling companion not insured by
this policy, or the person You are intending to
stay with, may have a Pre-existing Medical
Condition. In some cases, if their state of
health deteriorates greatly, You may want to
cancel or curtail Your Trip.
Subject to all the other terms and conditions,
such claims are covered if the person’s
Medical Practitioner can confirm in writing
that at the time You bought this policy, he/
she would have seen no substantial likelihood
of his/her patient’s condition deteriorating to
such a degree that this would become
necessary. If the Medical Practitioner will not
confirm this, Your claim is not covered.
Give Your name, insurance details, reference
number and as much information as possible.
Please provide a telephone, fax number or
email address where We can contact You or
leave messages at any time of the day or night.
When You are travelling to Australia and You
register for treatment under the national
Medicare scheme, Medicare provides UK
passport holders with:
•
free treatment as an in-patient or outpatient at a public hospital;
This policy is NOT a Private Medical Insurance •
subsidised medicines under the
policy, and does not provide cover for
Pharmaceutical Benefits Scheme; and
procedures that can be carried out in Your
•
benefits for medical treatment provided
Home Country after repatriation or for any
by doctors through private surgeries and
medical expenses incurred in private facilities
Government Health Centres
if a medically suitable State facility is available.
(not hospitals).
Reciprocal Health Agreements
If You intend travelling to European Union
(EU) countries, the European Economic Area
(EEA) or Switzerland We would advise You
to obtain a European Health Insurance Card
(EHIC), which will entitle You to certain free
or reduced cost health arrangements in the
EU, EEA or Switzerland. To apply for an EHIC
please call 0300 330 1350 or visit www.nhs.
uk/NHSEngland/Healthcareabroad/EHIC/
Pages/about-the-ehic.aspx
Emergency Assistance
24 Hours A Day
The UK also has reciprocal healthcare
agreements with various non-EEA countries
and territories: see the following website
www.nhs.uk/NHSEngland/
Healthcareabroad/countryguide/
NonEEAcountries/Pages/
Non-EEAcountries.aspx
In the event of a medical emergency You
must contact Us as soon as possible. You
MUST contact Us before incurring expenses
in excess of £500, except in case of
emergency. If You are physically prevented
from contacting Us immediately, You or
someone designated by You must
contact Us within 48 hours.
Please contact +44 (0) 208 865 3074
Please note: For claims under Section B
(Emergency Medical and Additional
Expenses) no Policy Excess will apply when
You receive inpatient treatment (where
medically necessary) at a state hospital within
the EU, EEA or Switzerland if You have used
the European Health Insurance Card to
effectively reduce the cost of Your treatment
or medicines.
You must enrol at Medicare offices in Australia
if You will be receiving treatment. If You
receive treatment before You enrol, Medicare
benefits can be backdated, if You are eligible.
To be eligible You must be a resident of the
United Kingdom and will need to show Your
British passport with an appropriate visa. If
You do not enrol at Medicare offices We may
reject Your claim or limit the amount We pay
to You. If You need treatment which cannot
be carried out under Medicare You MUST
contact Our 24 hours Emergency Service
before seeking private treatment. If You do
not do so, We may reject Your claim or limit
the amount We pay to You.
For more information You should contact:
Medicare Australia, PO Box 1001,
Tuggeranong, ACT 2901, Australia or visit
their website at: www.humanservices.gov.au
7
Schedule of Benefits
Section
A
Cancellation or Curtailment (Loss of deposit Excess: £20)**
Emergency Medical and Additional Expenses
Emergency Dental Treatment
B
C
D
E
Additional Accommodation and Travelling Costs
Funeral Expenses Abroad
This table shows the Limits of Cover available under each Section of the policy. It should
be read in conjunction with Your Policy Certificate which will confirm what level of cover
You have taken along with details of any cover options You have selected.
Super Economy
Excess
Economy
Excess
Standard
Excess
Premier
Excess
Premier Plus
Excess
Section
£1,000
£2,000,000
£150
£150
£1,500
£2,000,000
£125
£125
£2,000
£5,000,000
£100
£100
£5,000
£10,000,000
£50
£50
£10,000
£10,000,000
Nil
Nil
A
Nil
Nil
Nil
£350
125
£350
100
£350
50
£350
£1,000
Nil
£2,000
Nil
£2,000
Nil
£2,000
Nil
£2,000
Nil
£750
£150
£750
£125
£750
£100
£1,500
£50
£1,500
Nil
UK Prescriptions
Nil
Nil
£50
Nil
£50
Nil
£50
Nil
£75
Nil
UK Physiotherapy and Chiropractic
Hospital Benefit
(per complete 24 hours of inpatient treatment/maximum)
Personal Accident
Permanent Total Disablement
Loss of one or more limbs, or total and irrecoverable
Loss of Sight in one or both eyes
Death Benefit (aged 18 – 65)
Nil
Nil
£300
Nil
£300
Nil
£300
Nil
£500
Nil
Nil
Nil
Nil
Nil
£25/£100
Nil
£25/£300
Nil
£25/£300
Nil
Nil
Nil
£5,000
Nil
£15,000
Nil
£25,000
Nil
£50,000
Nil
Nil
Nil
£5,000
Nil
£15,000
Nil
£25,000
Nil
£50,000
Nil
Nil
Nil
£2,500
Nil
£7,500
Nil
£12,500
Nil
£25,000
Nil
Death Benefit (aged under 18)
Nil
Nil
£1,000
Nil
£1,000
Nil
£1,000
Nil
£1,000
Nil
All Benefits (aged 66 and over)
Baggage**
Nil
£1,000
Nil
£150
£1,000
£1,500
Nil
£125
£1,000
£1,500
Nil
£100
£1,000
£2,000
Nil
£50
£1,000
£3,000
Nil
Nil
£150
£150
£150
£125
£150
£100
£200
£50
£300
Nil
£150
£150
£150
£125
£150
£100
£200
£50
£300
Nil
Nil
Nil
Nil
Nil
Nil
£250
Nil
£125
£50/£200
£250
Nil
£100
£75/£300
£350
Nil
£50
£100/£400
£525
Nil
Nil
Single Article Limit
Total for all Valuables
(limited to £75 if Insured Person is under 18 years)
Emergency Replacement of Baggage (per day/max)
Personal Money and Passport
B
C
D
E
Cash Limit
Nil
Nil
£250
£125
£250
£100
£350
£50
£525
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
£50
Nil
£100
Nil
£100
Nil
£100
Nil
£125
Nil
£200
Nil
Nil
Nil
Nil
Nil
£20/£300
Nil
£20/£400
Nil
£30/£600
Nil
£1,000
£150
£1,500
£125
£2,000
£100
£5,000
£50
£10,000
Nil
H
Cash Limit (aged under18)
Passport and Travel Documents
(limited to £100 if Insured Person is under 18)
Delayed Departure (per 12hr period/max)
Abandonment of Trip after 12 hours delay
(Loss of deposit excess: £20)
Missed Departure
Nil
Nil
Nil
Nil
£750
£100
£1,000
£50
£1,500
Nil
I
Personal Liability per policy
£1,000,000
£150
£2,000,000
£125
£2,000,000
£100
£2,000,000
£50
£3,000,000
Nil
I
O
Legal Protection per policy
£25,000
Nil
£25,000
Nil
£25,000
Nil
£25,000
Nil
£25,000
Nil
O
P
End Supplier Failure
Nil
Nil
Nil
Nil
Nil
Nil
£5,000
Nil
£5,000
Nil
P
F
G
F
G
H
Please note that the sum insured is the most you can claim under the Section but other limits may apply. All cover limits and
excesses shown are per person except as shown. **Cover valid unless You have opted to remove these sections. Where You have
done this it will be shown on Your Policy Certificate.
8
9
Schedule of Benefits – Optional Cover
Optional Cover – subject to payment of additional premium. If You have paid for this
cover option, it will be shown on Your Policy Certificate. Cover Options must be
purchased before departing on Your Trip.
Section Winter Sports Cover*
Super Economy
Excess
Economy
Excess
Standard
Excess
Premier
Excess
Premier Plus
Ski Equipment
£200
£125
£200
£125
£500
£100
£1,000
£50
£2,000
Nil
Single Article Limit – Owned
£100
£125
£100
£125
£250
£100
£500
£50
£1,000
Nil
£100
£10 per day
up to £100
£150
£10 per day
up to £100
£10 per day
up to £100
£125
£125
£50
£1,000
£100 per day
up to £1,000
£500
£20 per day
up to £400
£20 per day
up to £400
Nil
£100
£500
£50 per day
up to £500
£400
£20 per day
up to £300
£20 per day
up to £300
£50
£125
£250
£25 per day
up to £250
£300
£20 per day
up to £200
£20 per day
up to £200
£100
£125
£100
£10 per day
up to £100
£200
£10 per day
up to £100
£10 per day
up to £100
Super Economy
Excess
Economy
Excess
Standard
Excess
Premier
Excess
Business Equipment
Nil
Nil
Nil
Nil
£1,000
£100
£1,000
Single Article Limit
Nil
Nil
Nil
Nil
£500
£100
£500
Computer Equipment Single Article Limit
Nil
Nil
Nil
Nil
£1,000
£100
Samples Limit
Nil
Nil
Nil
Nil
£500
Delayed Business Equipment
Nil
Nil
Nil
Nil
Emergency Courier of Essential Business Equipment
Nil
Nil
Nil
Nil
L2
Business Equipment Hire
Nil
Nil
Nil
Nil
L3
Business Money
Cash Limit
Nil
Nil
Nil
Nil
Nil
Nil
L4
Replacement Employee
Nil
Nil
K1
Single Article Limit – Hired
K2
Ski Equipment Hire
K3
Ski Pack
K4
Piste Closure
K5
Avalanche Closure
Section Business Cover*
L1
Section Golf Cover*
Nil
Nil
Nil
Nil
Nil
Section
K1
Nil
K2
Nil
K3
Nil
K4
Nil
K5
Premier Plus
Excess
Section
£50
£1,000
Nil
£50
£500
Nil
£1,000
£50
£1,000
Nil
£100
£500
£50
£500
Nil
£500
£100
£500
Nil
£500
Nil
£100
£50
£50
£100
£50 per day
up to £500
£1,000
£500
Nil
£100
£100
£100
£50 per day
up to £500
£1,000
£500
£50
Nil
Nil
£100
£50 per day
up to £500
£1,000
£500
Nil
Nil
£1,000
£100
£1,000
£50
Nil
Nil
Nil
Nil
Nil
Nil
Nil
Nil
L1
Nil
L2
Nil
Nil
L3
£1,000
Nil
L4
Section
Super Economy
Excess
Economy
Excess
Standard
Excess
Premier
Excess
Premier Plus
Excess
M1
Golf Equipment
Nil
Nil
Nil
Nil
£1,000
£100
£1,000
£50
£1,000
Nil
M1
M2
Golf Equipment Hire
Nil
Nil
Nil
Nil
£350
Nil
£350
Nil
£350
Nil
M2
M3
Non-refundable Golfing Fees
Nil
Nil
Nil
Nil
£400
Nil
£400
Nil
£400
Nil
M3
M4
Hole in One
Nil
Nil
Nil
Nil
£50
Nil
£75
Nil
£100
Nil
M4
Section
Section Cruise Cover*
Super Economy
Excess
Economy
Excess
Standard
Excess
Premier
Excess
Premier Plus
Excess
N1
Missed Departure, Missed Port
Nil
Nil
Nil
Nil
Nil
Nil
£1,000
£50
£1,500
Nil
N1
N2
Cruise Interruption
Nil
Nil
Nil
Nil
Nil
Nil
£1,000
£50
£1,500
Nil
N2
N3
Evening Dress Hire
Section Other Cover Options*
All
All
Excess Waiver
Trip Extensions
Nil
Nil
Nil
Nil
Nil
Nil
£100
Nil
£150
Nil
N3
Super Economy
Excess
Economy
Excess
Standard
Excess
Premier
Excess
Premier Plus
Excess
Section
Available
31/45/60 Days
Nil
Nil
Available
31/45/60 Days
Nil
Nil
Available
31/45/60 Days
Nil
Nil
Available
31/45/60 Days**
Nil
Nil
Available
31/45/60 Days
Nil
Nil
All
All
*Optional sections of cover – only valid when shown on Your Policy Certificate and additional premium paid.
10
Nil
Excess
**Premier policies bought in-branch have a 31 day trip limit. Trip Extensions to 45 and 60 Days are available through the Customer
Care Contact team.
11
Meaning of Words
Wherever the following words and phrases
appear in this policy they will always have
these meanings:
Accidental Bodily Injury: A sudden, violent,
external, unexpected specific event, which
occurs at an identifiable time and place,
which solely and independently of any other
cause results, within 12 months, in the death,
Loss of Limb, Loss of Sight or the Permanent
Total Disablement of an Insured Person.
Carrier: A scheduled or chartered aircraft
(excluding all non-pressurised single engine
piston aircraft), land (excluding any hired
motor vehicle) or water conveyance
licensed to carry passengers for hire.
Change in Health: A change in Your state of
health that occurs after the policy has been
purchased. A change to Your state of health
includes:
•Any new disease, illness or injury that
requires medication, advice, treatment or
Baggage: Items usually carried or worn by
travellers for their individual use during a Trip.
•A Pre-existing Medical Condition where
there is a change to medication, advice or
treatment, or
•Items hired to You, and all items loaned or
entrusted to You are excluded (other than •Your undergoing tests or treatment or
skis and ski equipment where the
being placed on a waiting list for out/
day/in-patient treatment, investigations
appropriate Winter Sports cover option
or surgery.
has been paid).
•This travel insurance is not intended to cover
expensive items for which You should take
out full ‘Personal Possessions’ insurance
under Your Home Contents policy.
Business Equipment: Any equipment You
use for Your business, trade or profession,
as declared to Us and used for the sole
purpose of Your business Trip but not for
the purposes of Manual Work.
Business Money: Money held by You for
business purposes.
12
Close Relative: Spouse or Common Law
Partner, parent, parent-in-law, step-parent,
legal guardian, children (including legally
adopted and step-children, and daughter/
son-in-law), sibling (including step-siblings
and sister/brother-in-law), grandparent,
grandchild, aunt, uncle, niece, nephew or
fiancé(e) of an Insured Person.
Common Law Partner: The person living
with the Insured Person in a domestic
relationship, for at least six consecutive
months at the commencement of the
Period of Insurance.
Complications of Pregnancy and Childbirth:
For the purposes of this Policy ‘Complications
of Pregnancy and Childbirth’ shall only be
deemed to include the following: toxaemia,
gestational hypertension, pre-eclampsia,
ectopic pregnancy, hydatidiform mole
(molar pregnancy), post partum
haemorrhage, retained placenta membrane,
placental abruption, hyperemesis
gravidarum, placenta praevia, stillbirths,
miscarriage, medically necessary
emergency Caesarean sections/medically
necessary termination and any premature
births more than 8 weeks (or 16 weeks in the
case of a known multiple pregnancy) prior
to the expected delivery date.
been paid. The children are only insured
when travelling with one or both of the
insured adults, but under Annual Multi-trip
cover both adults and the children
(accompanied by a responsible adult) are
also insured to travel on their own.
Couple: You and Your spouse or Common
Law Partner living at the same address.
•Cover is included whilst travelling
directly from Your Home or business
(whichever is the later) to Your departure
point and back again when You return,
limited to a maximum of 24 hours in
each direction.
Curtailment: Abandoning or cutting short
Your Trip by direct early return to Your
Home Country, in which case claims will
be calculated from the day You returned
to Your Home Country and based on the
number of complete days of Your Trip
You have not used, or by attending a
hospital outside Your home area as an
in-patient (and as part of a valid claim
under Section B) for a period in excess
of 48 hours. Claims will be calculated
from the day the ill/injured person was
admitted to hospital and based on the
number of complete days for which You
were hospitalised. Cover only applies to
ill/injured persons.
Family Policy: A person and their husband,
wife or partner and their dependent,
adopted or fostered children or
grandchildren who are aged under 18 and are
either in full-time education or living with
them. The appropriate premium must have
Geographical Limits: The countries of the
Area for which You have paid the
appropriate premium, except those
countries or parts of countries where the
Foreign & Commonwealth Office (FCO) has
advised against travel, as specified on Your
Policy Certificate. See the ‘Geographical
Areas ’ section for details of the countries
which apply to Your policy.
•You will be covered when travelling by
Public Transport between countries, but
not if You are being paid to crew a private
motor or sailing vessel or are travelling by
private plane.
Golf Equipment: Golf clubs, golf balls,
golf bag, golf trolley, golf shoes and
waterproof clothing.
Home: Your principal place of residence,
used for domestic purposes, and including
garage(s) and other outbuilding(s).
Home Country: The United Kingdom
excluding the Channel Islands and the Isle
of Man. For residents of the Channel Islands
and the Isle of Man, Your Home Country
means either the Channel Island on which
You live or the Isle of Man.
13
Insured Person or You/Your: Each person
named on the Policy Certificate and for
whom the appropriate premium has been
paid, and at the commencement of the
Period of Insurance being not more than
85 years of age. See the ‘Your Policy’
section for eligibility and age limits.
Medical Practitioner: A legally licensed
member of the medical profession, recognised
by the law of the country where treatment
is provided and who, in rendering such
treatment is practising within the scope of
his/her licence and training, and who is not
related to You or any travelling companion.
Limits of Cover: The maximum amount that
We will pay per person per trip for each
insured incident, as shown on the Schedule
of Benefits.
Money: Sterling and foreign currency and
travellers cheques.
Motorcycle: A motorcycle, moped or scooter.
Loss of Limb: Loss by physical severance, or Pair or Set: A number of items of Baggage
the total and irrecoverable permanent loss
considered as being similar or complementary
of use or function of, an arm at or above the to one another or used together.
wrist joint, or a leg at or above the ankle joint.
Period of Insurance: The period shown on
the Policy Certificate. Please Note: If You
Loss of Sight: Total and irrecoverable loss
travel for more than the number of days for
of sight in one or both eye(s); this is
which You have paid for cover, You will not
considered to have occurred if the degree
be covered after the last day for which You
of sight remaining after correction is 3/60
have paid. Trips must commence and end
or less on the Snellen scale. (This means
being able to see at 3 feet or less what
in Your Home Country and a return ticket
You should see at 60 feet.)
must have been booked prior to departure.
Cover cannot be purchased after Your
Manual Work: Work that is physical,
departure from Your Home. See ‘Your
including, but not limited to construction,
Policy Certificate’ for the maximum
installation, assembly and building work.
duration of Your Policy.
This does not include bar and restaurant
staff, musicians and singers and fruit pickers Permanent Total Disablement: Permanent
Total Disablement which, having lasted for
(who do not use machinery).
a period of at least 12 consecutive months
Medical Condition: A disease, illness,
from the date of occurrence will, in the
sickness or injury including Psychological
opinion of an independent qualified
Conditions.
specialist, entirely prevent You from
engaging in, or giving any attention to, any
Medical Health Declaration: Medical
and every business or occupation for the
information that needs to be declared to
remainder of Your life.
the Medical Screening Service before each
Policy Certificate: The validation page or
Period of Insurance by any Insured Person
Post Office branch receipt issued in respect
who has suffered from a Pre-existing
of this policy which sets out the names of
Medical Condition.
14
the Insured Persons, the Geographical
Limits, the Period of Insurance, additional
options and any other special conditions
and terms.
Policy Excess: The amount shown in the
Schedule of Benefits for the cover level
You have purchased as shown on Your
Policy Certificate, per Insured Person, each
and every incident, each and every section
of cover, where the Policy Excess applies.
The Policy Excess is reduced to nil when
You have paid the premium for the excess
waiver cover option, except where stated.
•Note 1: In the event of an injury occurring
as a result of voluntary Manual Work, the
Policy Excess under Section B
(Emergency Medical and Additional
Expenses) will be increased to £250 and
application of excess waiver will not
delete this increased excess.
Pre-existing Medical Condition: Any
Medical Condition that within the last
2 years required any:
1.surgery, inpatient or outpatient treatment,
referrals or investigations of any sort. This
includes being on any waiting list, taking
any prescription medication, tablets or
required medical treatment (This will
not apply to common colds, flu or
contraceptive medication);
2.medical advice or treatment for any
respiratory condition relating to the lungs
or breathing;
Psychological Condition: A mental or addictive
condition, including but not limited to,
alcoholism, drug addiction or eating disorders.
Public Transport: any scheduled publicly
licensed aircraft, sea vessel, train, coach
or bus on which You are booked or had
planned to travel.
Schedule of Benefits: The details of cover
as outlined on pages 8 to 11 of this document.
Secure Luggage Area: Any of the following,
as and where appropriate:
•The locked dashboard, boot or locked
luggage compartment of a hatchback
vehicle fitted with a lid closing off the
luggage area, or of an estate car with a
fitted and engaged tray or roller blind
cover behind the rear seats.
•The fixed storage units of a motorised or
towed caravan.
•A locked luggage box, locked to a roof rack
which is itself locked to the vehicle roof.
Sports and Activities: The activities listed
under the Sports and Activities Section of
this policy.
Strike or Industrial Action: Any form of
Industrial Action, whether organised by a
trade union or not, which is carried on with
the intention of preventing, restricting or
otherwise interfering with the production
of goods or the provision of services.
3.medical advice or treatment for any heart,
Travel Documents: Travel tickets,
stroke or diabetic condition;
accommodation and other redeemable
4.medical advice or treatment for anxiety or travel vouchers, Green Card, driving
depression or any Psychological Condition. licences and passports.
15
Trip: A journey within the countries of the
Geographical Limits, during the Period of
Insurance. See ‘Your Policy Certificate’
for the maximum duration of Your Trip.
Unattended: When You cannot see and/or
are not close enough to Your property or
vehicle to prevent unauthorised interference
or theft of Your property or vehicle.
Valuables: Cameras, photographic, and
video equipment, and associated equipment
of any kind; computer hardware and
software including notebooks, eReaders,
laptops, tablet PCs, games consoles
(PlayStation, Xbox, Nintendo, etc)
accessories and games; personal organisers;
satellite navigation systems; mobile
telephones; smartphones; televisions;
portable audio equipment (DVD, CD,
Mini-Disc, MP3 players, iPods, etc) and all
associated discs and accessories; spectacles;
prescription sunglasses, telescopes;
binoculars; jewellery; watches; furs; leather
articles; perfumes; precious stones and
articles made of or containing gold, silver
or other precious metals.
We, Our or Us: Collinson Insurance
Services Limited, administering policies on
behalf of the insurers Great Lakes
Reinsurance (UK) PLC.
Winter Sports: The activities listed under
the Winter Sports Section of this policy.
You/Your: Each person named on the
Policy Certificate and for whom the
appropriate premium has been paid.
16
Important Information
We would like to draw Your attention to
important features of Your policy including:
Changes to Your Policy: You must answer
all questions about this policy honestly and
fully at all times. You must also tell Us straight
away if anything that You have already told
Us changes by calling the Customer Care
team on 0330 123 3690. If You do not tell Us,
Your policy may be cancelled and any claim
You make may not be paid.
jewellery and other Valuables with You
then You should check that You have
adequate personal possessions cover, under
a home contents insurance. Baggage claims
are paid based on the original value of the
goods less a deduction for wear and tear
and loss of value based on the age of the
goods at the time that they are lost. Claims
are not settled on a ‘new for old basis’ or
replacement cost basis.
Sports and Activities: This policy covers
You for participation in certain Sports and
Activities. Your policy can be extended to
cover other sporting activities (as detailed
under Section J, Optional Sports and
Activities) when You have paid an
additional premium. If You are going to take
Cruise Cover: Cruise cover is only available if part in Sports and Activities not listed under
you purchase Premier and Premier Plus cover. this policy or if You are in any doubt as to
whether cover will apply, please call the
If You are under 75 and have no Pre-existing Customer Care team on 0330 123 3690.
Medical Conditions and You are taking a
Third Party Liability: If You use any form of
cruise holiday, then You are covered for
mechanically propelled vehicle (e.g. car,
sections A to I and O to P of this policy.
Cover for ‘Section N - Cruise Cover’ is only motor cycle, moped or scooter), sail or
powered boat, or an airborne craft, no liability
available if You purchase the additional
cover will apply under this policy and You
cover option of cruise cover and have paid
must ensure that You have cover for third
the appropriate additional premium and it is
party injury or property damage in place.
shown on Your Policy Certificate.
Conditions and Exclusions: There are
conditions and exclusions which apply to
each individual section of Your policy and
there are general conditions and exclusions
which apply to the whole of Your policy.
See pages 41 to 47.
Personal Possessions: While this policy
provides cover for Your Baggage, if You are
planning to take expensive items such as
sophisticated photographic equipment,
17
Your Policy
Certificate for those persons aged
up to 60:
•Cancellation cover starts when You
purchase this insurance or when You
book Your Trip, whichever is the later.
Your policy contains restrictions based on
the type of policy You have purchased –
these are explained below. Please contact
the Customer Care team on 0330 123 3690
if You need assistance.
Single Trip Policies
The maximum number of days for which
You have paid the appropriate premium
which shall be a maximum of:
•365 days for persons aged up to and
including age 70 (policies over 90 days only
available to purchase from the Post Office
Website or the Customer Care team).
•90 days for persons aged between 71 and
75 (If You are aged 75 cover is only available
to purchase from the Post Office Website
or the Customer Care team).
•31 days for persons aged between 76 and 85
(only available to purchase from the Post
Office Website or the Customer Care team).
•Cancellation cover starts when You
purchase this insurance or when You
book Your Trip, whichever is the later.
•Cover for all other Sections of Your policy
will start from the start date shown on
Your Policy Certificate or, if later, when
You leave Your Home or usual place of
business at the start of Your journey.
18
Annual Multi-Trip Policies
•Cancellation cover starts on the start date
shown on Your Policy Certificate or, if
later, when You book Your Trip.
•Cover for all other Sections of Your policy
will start from the start date shown on
Your Policy Certificate or, if later, when
You leave Your Home or usual place of
business at the start of Your journey.
•Irrespective of the number of individual
Trips You undertake in each Period of
Insurance, the maximum number of days
You can spend abroad must not exceed 183.
When you have purchased Super Economy,
Economy, Standard, Premier or Premier Plus
Cover as shown on Your Policy Certificate:
•The Period of Insurance is for 12 months
during which You are covered for each
Trip You book and undertake within
that period subject to a maximum of
17 consecutive days unless otherwise
stated on Your Policy Certificate for
persons aged up to 75.
Backpacker Policies
(only available for Super Economy and
Economy cover):
•The maximum number of days for which
You have paid the appropriate premium
which shall be a maximum of 18 Months
unless otherwise stated on Your Policy
•In event that You are unable to return
Home on Your scheduled return date
due to an event insured under this policy,
the policy is automatically extended until
the earliest date that You are able to
return Home.
•Cover for all other Sections of Your policy
will start from the start date shown on
Your Policy Certificate or, if later, when
You leave Your Home or usual place of
business at the start of Your journey and
ends when You return to Your Home.
Cover for any Trip ends on the earliest of:
All Policies
•legal advice continues to apply for up to
7 days after You return Home.
•the end date shown on Your Policy
Certificate; or
•the date You return to Your usual place
of residence or business at the end of
Your journey, which shall be no later
•Home Visits: This policy enables You to
than 24 hours after You have arrived at
return to Your Home on three occasions,
the international departure point in Your
for a maximum of 7 days on each occasion.
Home Country
There is no cover under any section of
the policy from the time You leave the
•the date when the maximum number
of days cover shown in Your policy has
international departure point to the time
been reached
You return back to Your destination.
•If You travel for more than the number of
days for which You have paid for cover,
You will not be covered after the last day
for which You have paid.
•Trips must commence and end in Your
Home Country and a return ticket must
have been booked prior to departure.
•Trips solely within Your Home Country
are only insured if You have pre-booked
at least two consecutive nights’ paid
accommodation.
•Any Trip that had already begun when
You purchased this insurance will not be
covered, except where You renew an
existing Annual Multi-trip Policy which
fell for renewal during the Trip.
19
Geographical Areas
There is no cover under this policy for
travel to those countries where at the time
You purchased this policy, the Foreign &
Commonwealth Office has advised against
travel. Please refer to their website for
further information: www.gov.uk/foreigntravel-advice
If You have purchased Your policy in
a Post Office branch then the following
geographical areas apply:
UK: Great Britain, Northern Ireland, the Isle
of Man and Jersey
Note: For the purposes of this insurance
Guernsey (including Alderney, Herm and
Sark) is not considered part of the UK Area
as there is currently no reciprocal health
agreement in place between Guernsey and
the UK.
Europe: Albania, Algeria, Andorra,
Armenia, Austria, Azerbaijan, Azores,
Belarus, Belgium, Bosnia-Herzegovina,
Bulgaria, Croatia, Cyprus, Czech Republic,
Denmark (including Faeroe Islands), Estonia,
Finland, Former Yugoslav Republic of
Macedonia, France (including Corsica),
Georgia, Germany, Gibraltar, Greece
(including Greek Isles), Greenland,
Guernsey (including Alderney, Sark and
Herm), Hungary, Iceland, Ireland, Israel, Italy
(including Aeolian Islands, Sardinia, Sicily),
Kosovo, Lapland, Latvia, Liechtenstein,
Lithuania, Luxembourg, Madeira,
20
Malta, Moldova, Monaco, Montenegro,
Netherlands, Norway (including Jan Mayen,
Svalbard Is), Poland, Portugal, Romania,
Russia (West of Ural mountains), San
Marino, Sardinia, Serbia, Slovakia, Slovenia,
Spain (including Balearic Islands and Canary
Islands), Sweden, Switzerland, Tunisia,
Turkey, Ukraine, United Kingdom and
Vatican City
Worldwide 1: All countries worldwide,
excluding the United States, Canada,
Bermuda and the Caribbean
Worldwide 2: All countries worldwide
If You have purchased Your policy via the
Post Office website or the Customer Care
team then the following geographical
areas apply:
Former Yugoslav Republic of Macedonia,
France (including Corsica), Georgia,
Germany, Gibraltar, Greece (including
Greek Isles), Greenland, Guernsey
(including Alderney, Sark and Herm),
Hungary, Iceland, Ireland, Israel, Italy
(including Aeolian Islands, Sardinia, Sicily),
Kosovo, Lapland, Latvia, Liechtenstein,
Lithuania, Luxembourg, Madeira, Moldova,
Monaco, Montenegro, Netherlands,
Norway (including Jan Mayen, Svalbard Is),
Poland, Portugal, Romania, Russia (West
of Ural mountains), San Marino, Sardinia,
Serbia, Slovakia, Slovenia, Sweden, Tunisia,
Ukraine, United Kingdom and Vatican City
Europe 2: Those countries listed above and
including: Cyprus, Malta, Spain (including
Balearic Islands and Canary Islands),
Switzerland and Turkey
Worldwide 1: All countries worldwide,
excluding the United States, Canada,
Bermuda and the Caribbean
Worldwide 2: All countries worldwide
UK: Great Britain, Northern Ireland, the Isle
of Man and Jersey
Note: For the purposes of this insurance
Guernsey (including Alderney, Herm and
Sark) is not considered part of the UK Area
as there is currently no reciprocal health
agreement in place between Guernsey and
the UK.
Europe 1: Albania, Algeria, Andorra,
Armenia, Austria, Azerbaijan, Azores,
Belarus, Belgium, Bosnia-Herzegovina,
Bulgaria, Croatia, Czech Republic, Denmark
(including Faeroe Islands), Estonia, Finland,
21
Additional Cover Options
Sections of Cover
Upon payment of an additional premium, You are able to add additional cover options to
Your policy:
Section A – Cancellation or Curtailment
Cover Option
Super Economy
Economy
Standard
Premier
Premier Plus
Optional Sports
and Activities
•
•
•
•
•
Winter Sports
•
•
•
•
Business Cover
N/A
N/A
•
•
Cruise Cover*
N/A
N/A
N/A
•
•
•
Golf Cover
N/A
N/A
Excess Waiver**
•
•
Trip Extension***
31/45/60 Days
31/45/60 Days
•
31/45/60 Days
•
•
•
31/45/60 Days
•
•
•
31/45/60 Days
When You have paid the additional premium, additional cover options will be shown on
Your Policy Certificate. Please refer to the Schedule of Benefits for the limits that apply, for
the cover level You have purchased. Your policy can only be extended before departure
from Your Home Country with the exception of Optional Sports and Activities.
*CRUISE COVER: Cruise cover is only available if you purchase Premier and Premier Plus cover.
If You are under 75 and have no Pre-existing Medical Conditions and You are taking a
cruise holiday, then You are covered for sections A to I and O to P of this policy. Cover
for ‘Section N - Cruise Cover’ is only available if You purchase the additional cover option
of cruise cover and have paid the appropriate additional premium and it is shown on Your
Policy Certificate. **EXCESS WAIVER: Your Policy Excess is reduced to nil when You
purchase the excess waiver cover option. ***TRIP EXTENSIONS: Available on Annual MultiTrip policies only.
What is covered:
We will reimburse up to the amount shown in the
Schedule of Benefits (for the cover level as shown
on Your Policy Certificate) in total under this policy
for financial loss You suffer, being non-refundable
deposits and amounts You have paid for travel and
accommodation You do not use because of Your
inability to commence travel or complete the Trip
(including pre-paid kennel and cattery fees up to
£250 per policy). The maximum We will pay under
this policy for pre-paid excursions is £150 per
Insured Person.
We will only pay for financial loss You suffer on behalf
of any travelling companion if they are insured and
named on this policy. If Your travelling companion is
not insured under this policy, You will need to claim
against their travel insurance policy for any amounts
that You have paid on their behalf.
Cancellation cover applies if You have booked a Trip
to take place within the Period of Insurance, but You
are forced to cancel Your travel plans because of one
of the following changes in circumstances, which is
beyond Your control, and of which You were unaware
at the time You booked the Trip. Please see also the
Delayed Departure cover (Section G).
Curtailment cover applies if You are forced to cut short
a Trip You have commenced, and return to Your Home
Country, because of one of the following changes in
circumstances which is beyond Your control, and of
which You were unaware at the time You booked the
Trip. Curtailment claims will be calculated from the date
of return to Your Home Country.
•
Unforeseen illness, injury or death of You, a Close
Relative or any person with whom You have
arranged to travel or stay during the Trip.
•
You abandoning Your Trip following the
cancellation of or a delay of more than 12 hours in
the departure of Your outward international flight,
sea-crossing, coach or train journey, forming part of
the booked Trip’s itinerary, as a result of Strike or
Industrial Action (of which You were unaware at
the time You either booked the Trip or purchased
this policy, whichever is the latest), adverse weather
22
conditions, or the mechanical breakdown of, or
accident of, the aircraft, sea vessel, coach or train.
•
You or any person with whom You plan to travel
being called up for Jury Service or being
subpoenaed as a witness in a Court of Law (other
than in a professional or advisory capacity).
•
If You are made redundant and You qualify for
redundancy payment under current legislation.
•
Accidental damage, burglary, flooding or fire
affecting Your Home, occurring during the Trip or
within 48 hours before You depart, when the loss
relating to Your Home is in excess of £1,500 and
Your presence is required by the Police in
connection with such events.
•
Your compulsory quarantine.
•
You or Your travelling companion having agreed
leave subsequently cancelled by the emergency
services or armed forces, for operational reasons.
This cover does not apply to cancellation of leave
due to war, invasion, acts of terrorism, hostilities
(whether war be declared or not), civil unrest,
revolution, rebellion, act of foreign enemy or any
similar event.
Curtailment cover also applies for You attending a
hospital outside Your Home Country as an in-patient
(and as part of a valid claim under Section B). Claims
will be calculated from the day the ill/injured person
was admitted to hospital and based on the number of
complete days for which You were hospitalised or
quarantined Cover only applies to ill/injured persons.
Special conditions relating to claims:
1.In the event of Curtailment of the Trip, You must
contact Us first and allow Us to make all the
necessary travel arrangements.
2.You must obtain a medical certificate from the
Medical Practitioner in attendance and Our prior
approval to confirm the necessity to return Home
prior to the scheduled return date of the Trip in
the event of unforeseen illness or injury.
3.If, at the time of requesting Our assistance in the
event of a Curtailment claim, satisfactory medical
evidence is not supplied in order to substantiate
that the claim is due to an unforeseen illness, injury
or death of You, a Close Relative, travelling
23
companion or person with whom You have arranged
to stay whilst on Your Trip, We will make all
necessary arrangements at Your cost and arrange
appropriate reimbursement as soon as the claim has
been validated.
4.You must notify the Carrier or Travel Agent
immediately You know the Trip is to be cancelled
or curtailed, to minimise Your loss as far as possible.
If You fail to notify the Carrier or Travel Agent
immediately it is found necessary to cancel the
Trip, Our liability shall be restricted to the
cancellation charges that would have applied
had failure not occurred.
5.If You cancel the Trip due to unforeseen illness or
injury You must provide a medical certificate from
the treating General Practitioner stating that this
prevented You from travelling.
6.If Your outward international flight, sea-crossing,
coach or train journey is cancelled by the Carrier,
You must produce to Us written documentation
provided by the Carrier, specifying the reason for
the cancellation.
7.If You cancel or curtail Your Trip because Your
presence is required by the Police in connection
with accidental damage, burglary, flooding or fire
affecting Your Home during Your Trip, You must
produce to Us written documentation from the
Police confirming that the loss or damage occurred
during the Trip – otherwise no claim will be paid.
What is not covered:
a)any disinclination to travel or continue travelling,
unless Your change of travel plans is caused by one
of the circumstances listed under ‘What is Covered’;
b)any claim under this section if You have chosen to
remove Cancellation or Curtailment cover as
shown on Your Policy Certificate;
c)any claim arising directly or indirectly from a
known Pre-existing Medical Condition affecting
You unless You have declared ALL Pre-existing
Medical Conditions to the Medical Screening
Service and We have written to You accepting
them for insurance;
d)any claim arising directly or indirectly from a
Pre-existing Medical Condition affecting any Close
Relative, travelling companion who is not insured
under this policy or person with whom You intend
to stay whilst on Your Trip if their Medical
Practitioner cannot confirm that at the time You
bought this policy, he/she would have seen no
substantial likelihood of his/her patient’s condition
deteriorating to such a degree that this would
become necessary;
e)any claims relating to a cruise holiday unless You
24
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
f)any costs relating to unused travel and accommodation
for any persons not insured under this policy;
g)cancellation or Curtailment caused by pregnancy
or childbirth unless the cancellation or Curtailment
is certified by a Medical Practitioner as necessary
due to Complications of Pregnancy and Childbirth;
h)claims arising from actual or planned Strike or
Industrial Action which was common knowledge
at the time You either booked the Trip or
purchased this policy, whichever is the latest;
i)any costs in respect of any unused pre-paid travel
costs when We have paid to repatriate You;
j)withdrawal from service of the aircraft, sea vessel,
coach or train on which You are booked to travel,
by order or recommendation of the regulatory
authority in any country. You should direct any claim
in this case to the transport operator involved;
k)failure by the provider of any part of the booked
Trip to supply the service or transport (whether as
the result of error, insolvency, omission, default or
otherwise), unless the event is specifically covered
by this policy. You should direct any claim in this
case to the provider involved;
or produce a valid passport or any required visa
in time for the booked Trip;
n)any costs relating to airport taxes, air passenger
duty and other surcharges levied by the airline
(You may be able to obtain a refund from Your
Carrier for such charges);
o)any Cancellation or Curtailment caused by work
commitment or amendment of Your holiday
entitlement by Your employer, with the exception
of members of the emergency services or armed
forces. This cover does not apply to cancellation
of leave due to war, invasion, acts of terrorism,
hostilities (whether war be declared or not), civil
unrest, revolution, rebellion, act of foreign enemy
or any similar event;
p)any claim resulting from Your inability to travel
due to an Insured Person’s failure to hold, obtain
•If Our Medical Officer confirms that it is
medically necessary for You to be accompanied
on the Trip Home, and the return journey cannot
take place on the original scheduled date, We
will pay for the additional travelling costs and
accommodation costs incurred by one person
staying with You and accompanying You on the
Trip Home.
•Additional travelling and accommodation costs
arranged by Us for one person required, on
medical advice, to fly out to You and accompany
You Home.
•A return journey air ticket plus reasonable
accommodation costs to enable a business
colleague, where necessary, to replace You in
Your location outside Your Home Country
following Your medical repatriation or death
during a Trip.
•Additional travelling costs incurred in returning
Home Your children under 18 years of age and
insured under this policy if You are incapacitated
and there is no other responsible adult to
supervise them. A competent person will be
provided to accompany the children Home.
q)prohibitive regulations by the Government of any
country, or delay or amendment of the booked
Trip due to Government action;
r)any claim arising from volcanic eruption (including
volcanic ash being carried by the wind), earthquake
or tsunami;
s)the Policy Excess except where You have paid the
Excess waiver cover option. If You are claiming
only for loss of deposit then the excess is reduced
to £20 per Insured Person per claim;
t)the cost of this policy;
u)anything mentioned in the General Exclusions.
Section B – Emergency Medical
and Additional Expenses
What is covered:
1)Emergency Medical and Repatriation: We will
pay up to the amount shown in the Schedule of
Benefits (for the cover level as shown on Your
Policy Certificate) for each Insured Person who
suffers sudden and unforeseen bodily injury or
illness, or who dies during a Trip outside Your
Home Country for the following;
l)change of plans due to Your financial circumstances
except if You are made redundant and qualify for
redundancy payment under current UK legislation;
m)any claim arising as a result of attendance of an
Insured Person, or any other person on whom
the holiday plans depend, in a Court of Law. This
exclusion will not apply if You are called up for
Jury Service or are subpoenaed as a witness (other
than in any professional or advisory capacity);
•Medical expenses for the immediate needs of
an unforeseen medical emergency. Included are
Medical Practitioner’s fees, hospital expenses,
in-patient and out-patient medical treatment
and charges for medical transportation to the
nearest suitable hospital abroad, when deemed
necessary by a recognised Medical Practitioner.
•Additional travelling costs to repatriate You
Home when recommended by Our Medical
Officer. We will pay for the cost of a medical
escort if considered necessary.
2)Emergency Dental Treatment: We will pay up
to the amount shown in the Schedule of Benefits
(for the cover level as shown on Your Policy
Certificate) for each Insured Person for the costs
of providing necessary temporary treatment for
the immediate relief of pain or discomfort, and/or
emergency repairs to dentures and orthodontic
appliances carried out solely to alleviate distress
in eating.
3)Additional Accommodation and Travelling Costs:
On condition that You contact Us first and We
make all the travel arrangements, in the event of
a valid claim for repatriation We will pay up to
the amount shown in the Schedule of Benefits
(for the cover level as shown on Your Policy
Certificate) for the following:
If Our Medical Officer advises a date when it is feasible
and practical to repatriate You, but You choose instead
to remain abroad, Our liability to pay any further costs
under this Section after that date will be limited to
what We would have paid if Your repatriation had
taken place.
4)Funeral Expenses Abroad: We will pay up to the
amount shown in the Schedule of Benefits (for the
cover level as shown on Your Policy Certificate) for
the burial or cremation of a deceased Insured
Person abroad or alternatively transportation costs
of returning Home an Insured Person’s body or
ashes.
5)UK Prescriptions and Chiropractic Care: With Our
prior authorisation, we will pay up to the amount
shown in the Schedule of Benefits (for the cover
level as shown on Your Policy Certificate) for the
additional costs incurred fulfilling UK prescriptions
and utilising UK physiotherapy and chiropractic
care resulting from a claim payable under point 1)
Emergency Medical and Repatriation.
What is not covered:
a)costs in excess of £500 which have not been
authorised by Us in advance;
b)any claims arising directly or indirectly as a result of
any Pre-existing Medical Conditions, unless You
have declared ALL Pre-existing Medical Conditions
to the Medical Screening Service and We have
written to You accepting them for insurance;
25
c)any pre-planned or pre-known or expected
medical/dental treatment or diagnostic procedure;
d)treatment which, in the opinion of Our Medical
Officer, can be delayed until Your return to the
country of departure;
e)any medical or dental treatment which is not a
surgical or medical procedure with the sole
purpose of curing or relieving acute unforeseen
illness or injury; or to alleviate distress in eating;
f)normal wear and tear of dental or orthodontic
appliances;
g)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
h)any damage to dentures, other than whilst being
worn by You and any self-inflicted damage,
including damage caused by tooth-brushing or any
other oral hygiene activity;
i)dental treatment involving the provision of
dentures or the use of precious metals;
j)any claims for costs related to pregnancy or
childbirth unless the claim is certified by a Medical
Practitioner as necessary due to Complications of
Pregnancy and Childbirth;
k)any air travel costs in excess of a return economy/
tourist class ticket;
l)accommodation costs other than the cost of the room;
m)for each child to be repatriated, their air travel costs
in excess of a one-way economy/tourist class ticket;
n)medical/dental treatment or services provided by
a private clinic or hospital, health spa, convalescent
home or any rehabilitation centre unless confirmed
as medically necessary by Our Medical Officer;
o)the cost of private dental/medical expenses when
You receive treatment in a state run practice or
clinic and You have a right to state provided
emergency treatment;
p)treatment for cosmetic purposes unless the Medical
Officer at the Medical Emergency Service agrees
that such treatment is necessary as the result of an
accident covered under this policy;
q)expenses incurred as a result of a tropical disease
when You have not had the recommended
inoculations and/or taken the recommended
medication;
r)any costs incurred in Your Home Country other than
in connection with transportation of You or Your
remains to Home from abroad, or a valid claim under
26
point 5) UK Prescriptions and Chiropractic Care;
s)the cost of any medical/dental expenses incurred
in private facilities if a medically suitable State
facility is available;
t)any costs incurred in Australia which would have
been covered by Medicare had You enrolled, and
You failed to enrol in Medicare;
u)any costs where the transportation Home has not
been arranged by Us;
v)any costs in respect of unused pre-paid travel costs
when We have paid to repatriate You;
w)air-sea rescue and transfer costs;
x)any costs of moving You from ship to shore except
where You are on a cruise holiday and You have
either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in
writing to cover them) or You have purchased
Premier or Premier Plus cover and the cruise cover
option as shown on Your policy certificate.
y)the Policy Excess except where You have paid the
excess waiver cover option, or;
You have received inpatient treatment at a state
hospital within the European Union, European
Economic Area or Switzerland and You have used
a European Health Insurance Card to effectively
reduce the cost of Your treatment or medicines;
z)any costs incurred when engaging in Sports and
Activities listed under Section J, Optional Sports
and Activities unless You have paid the appropriate
additional premium;
aa)any costs incurred by You when You are engaging
in Winter Sports unless You have paid the Winter
Sports cover option;
bb)anything mentioned in the General Exclusions.
In An Emergency
Please contact Us on the number shown below, giving
Your name, Policy Certificate number, and as much
information as possible.
Please provide a telephone, fax or email address where
we can contact You or leave messages at any time of
the day or night.
To comply with the terms and conditions of the
insurance You MUST contact Us as soon as possible.
You MUST obtain Our prior authorisation before
incurring any expenses over £500, except in case of
emergency. In case of emergency, if You are physically
prevented from contacting Us immediately, You or
someone designated by You must telephone within
48 hours.
For assistance outside UK dial 0044 0208 865 3074.
If travelling alone, We recommend that You should carry
Your insurance documents with You at all times.
Section C – Hospital Benefit
What is covered:
In the event of a valid claim under Section A, we will
pay You up to the amount shown in the Schedule of
Benefits (for the cover level as shown on Your Policy
Certificate) for every complete 24 hours You have to
stay in hospital as an in-patient.
What is not covered:
a)any claim arising in connection with a Trip solely
within Your Home Country;
b)any claims for costs related to pregnancy or
childbirth unless the claim is certified by a Medical
Practitioner as necessary due to Complications of
Pregnancy and Childbirth;
c)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
d)anything mentioned in the General Exclusions.
Section D – Personal Accident
What is covered:
We will pay one of the benefits shown in the Schedule
of Benefits (for the cover level as shown on Your
Policy Certificate) If You suffer Accidental Bodily
Injury during the Trip, which within 12 months is the
sole and direct cause of Your death or Loss of Limb,
Loss of Sight or Permanent Total Disablement.
What is not covered:
a)injury not caused solely by outward, violent and
visible means;
e)any more than one payment for one item under
this section;
f)any payment in excess of £1,000 arising from death
of Insured Persons under 18 years of age or over
65 years of age;
g)any payment in excess of £1,000 arising from the
Permanent Total Disablement of Insured Persons
over 65 years of age;
h)an Insured Person engaging in any Sports and
Activities or Winter Sports where this policy
specifically states that Personal Accident cover
is excluded (regardless of whether the Sports
and Activities or Winter Sports cover option
has been paid);
i)anything mentioned in the General Exclusions.
Section E – Baggage
What is covered:
1)Lost/stolen or damaged baggage: We will pay
You up to the amount shown in the Schedule of
Benefits (for the cover level as shown on Your
Policy Certificate), If, in the course of a Trip, Your
Baggage is damaged, stolen, destroyed or lost (and
not recovered).
The maximum we will pay You for the following items is:
•
any one article, or for any one Pair or Set of
articles, as shown in the Schedule of Benefits.
If You cannot provide an original receipt, valuation
report or other satisfactory proof of ownership (for
example, a photograph of You wearing the article)
and value to support the claim, payment for any
one article, or for any one Pair or Set of articles,
will be limited to a maximum of £50. Evidence of
replacement value is not sufficient.
•
£250 for all articles lost, damaged or stolen in any
one incident if You cannot provide satisfactory
proof of ownership and value.
•
limited to the amount shown in the Schedule of
Benefits for the total of all Valuables owned by
each Insured Person.
b)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
•
£100 per Insured Person for all Baggage or
Valuables lost, damaged or stolen from a beach
or pool-side.
c)Your disablement caused by mental or psychological
trauma not involving Your bodily injury;
2)Emergency replacement of baggage: If Your
luggage is certified by the Carrier to have been lost
or misplaced on the outward journey of a Trip for
a period in excess of 24 hours then You can claim
d)disease or any physical defect, infirmity or illness
which existed prior to the commencement of the Trip;
•
the maximum We will pay for all mobile telephones
or smartphones is limited to £100 per Insured Person.
•
£250 in total under this policy for any cigarettes/
tobacco and/or alcohol lost, damaged or stolen.
27
up to the amount shown in the Schedule of
Benefits for the purchase of essential items.
Note: Such sums will be refundable to Us if the
luggage or any part of it proves to be permanently
lost and/or a claim is made under part 1) Lost/stolen
or damaged baggage.
Special conditions relating to claims:
1.We have the option to either pay You for the loss,
or replace, reinstate or repair the items concerned.
2.Claims are paid based on the value of the goods at
the time of original purchase and a deduction is
then made for wear, tear, and loss of value, bearing
in mind the age of the items. Claims are not settled
on a ‘new for old basis’ or replacement cost basis.
3.You must take suitable precautions to secure the
safety of Your Baggage, and must not leave it
unsecured or Unattended or beyond Your reach at
any time in a place to which the public have access.
4.If claiming for Your goods that were stolen or lost
You should produce proof of purchase of the
original goods by way of receipts, credit card or
bank statements, as failure to do so may affect the
assessment of the claim.
5.Within 24 hours of discovery of the incident, You
must report loss of Baggage to the local Police or to
the Carrier, as appropriate (damage to Baggage in
transit must be reported to the Carrier before You
leave the baggage hall and a Property Irregularity
Report (PIR) must be obtained), or to Your hotel
or accommodation management, or to the tour
operator representative.
6.You must produce to Us written documentation
from one of the parties listed above confirming
that the loss or theft occurred during the Trip –
otherwise no claim will be paid.
7.For claims for essential items, in the event your
luggage is lost or misplaced on the outward journey
of a Trip for a period in excess of 24 hours by the
Carrier, You must provide receipts and a report
from the Carrier confirming the length of the delay
– otherwise no payment will be made.
What is not covered:
a)any item loaned, hired or entrusted to You;
b)any claim under this section if You have chosen to
remove Baggage cover as shown on Your Policy
Certificate;
c)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
28
shown on Your policy certificate;
d)any claim relating to Baggage delayed at any other
time during Your Trip or on Your return journey
to Your Home Country;
e)any claim for Baggage delay for a Trip solely within
Your Home Country;
f)any loss, theft of, or damage to Baggage left in an
Unattended motor vehicle if:
•the items concerned have not been locked out
of sight in a Secure Luggage Area;
•no forcible and violent means have been used
by an unauthorised person to affect entry into
the vehicle; and
•no evidence of such entry is available.
g)theft of Valuables from an Unattended motor
vehicle;
h)loss, theft of, or damage to, Valuables from
checked-in luggage left in the custody of a Carrier
and/or Valuables packed in luggage left in the
Baggage hold or storage area of a Carrier;
i)electrical or mechanical breakdown or
derangement of the article insured;
j)wear and tear, damage caused by moth or vermin,
denting or scratching, or any process of dyeing
or cleaning;
k)confiscation or detention by Customs or other
lawful officials and authorities;
l)loss, theft or damage to dentures; bonds; securities;
stamps or documents of any kind, Travel Documents,
including driving licences, passports, theme park/
excursion tickets; musical instruments; glass; china;
antiques; pictures; pedal cycles and accessories;
hearing aids; coupons; vehicles or accessories;
boats and/or ancillary equipment; samples or
merchandise or business goods or specialised
equipment relating to a trade or profession; unused
mobile telephone rental charges or pre-payments;
m)loss, theft of or damage to vehicle keys;
n)damage to fragile or brittle articles unless by fire
or resulting from an accident to a sea going vessel,
aircraft or vehicle;
o)liability in respect of a Pair or Set of articles where
We shall be liable only for the value of that part of
the Pair or Set which is lost or damaged;
p)sports equipment whilst in use;
q)loss or theft of or damage to Money (please see
Section F - Personal Money and Passport);
r)losses from a roof or boot luggage rack (other than
losses of camping equipment, which remains
covered under this section);
s)the Policy Excess except where You have paid
the excess waiver cover option;
t)anything mentioned in the General Exclusions.
Section F – Personal Money and Passport
What is covered:
1)If during a Trip, the Money You are carrying on Your
person or You have left in a locked safety deposit
box is lost, stolen, damaged or destroyed, then
subject to the following conditions and exclusions,
We will cover You up to an overall maximum shown
in the Schedule of Benefits (for the cover level as
shown on Your Policy Certificate).
The maximum We will pay for the following items is:
•
For bank notes, currency notes and coins is shown
under the cash limit in the Schedule of Benefits.
•
For bank notes, currency notes and coins if You are
under the age of 18 is as shown under the cash limit
in the Schedule of Benefits.
2)If Your passport is lost or stolen outside the
country of departure during a Trip, We will pay
up to the amount shown in the Schedule of
Benefits (for the cover level as shown on Your
Policy Certificate):
•
Reasonable additional travel and accommodation
expenses You incur abroad to obtain a replacement
or temporary passport.
•
The cost of an emergency replacement or
temporary passport, to enable You to continue
Your Trip as planned.
Special conditions relating to claims:
1.Within 24 hours of discovery of the incident You
must report loss of Money or Your passport to the
local Police or to the Carrier, as appropriate, or to
Your hotel or accommodation management, or to
the tour operator representative.
2.You must produce to Us written documentation
from one of the parties listed above confirming that
the loss or theft occurred during the Trip otherwise no claim will be paid.
3.You must produce to Us evidence of the withdrawal
of bank notes, currency notes or coins - otherwise
no payment will be made.
There is no cover under this policy for Pre-paid
currency cards, and We advise that You contact the
card issuer. If You have a Post Office Travel Money
Card Plus, and You will need to telephone card
services on 00 44 20 7600 7797. Card services will
immediately block the card and arrange for a
replacement to be sent to you. A courier fee will
apply if the card is sent overseas.
What is not covered:
a)shortages or loss due to error, omission,
depreciation in value, or confiscation or detention
by Customs or other lawful officials and authorities;
b)travellers cheques and/or travel documents that
can be replaced by the issuer;
c)the Policy Excess except where You have paid the
excess waiver cover option;
d)any pre-paid currency cards;
e)anything mentioned in the General Exclusions.
Section G – Delayed Departure
What is covered:
If the departure of Your first outward or final inward
international flight, sea crossing or coach or train
journey forming part of a booked Trip and specified on
Your ticket, is delayed as a direct result of Strike,
Industrial Action, adverse weather conditions, failure
of air traffic control systems, or mechanical breakdown
of aircraft, sea vessel, coach or train:
•
for more than 12 hours beyond the intended
departure time: We will pay up to the amount
shown in the Schedule of Benefits (for the cover
level as shown on Your Policy Certificate) for each
12 hours Your departure is delayed OR; for more
than 12 hours beyond the intended departure time,
You can choose instead to abandon Your Trip and
submit a cancellation claim under Section A.
Special conditions relating to claims:
Please Note:
For residents of Northern Ireland, this section also
applies to an international departure point within the
Republic of Ireland.
For residents of The Channel Islands or the Isle of Man,
this section also applies to Your international
departure point within the UK.
1. If You suffer delays You must obtain written
confirmation from the Carrier stating the period and
reason for delay.
What is not covered:
a)claims arising from actual or planned Strike or
Industrial Action which was common knowledge at
the time You made travel arrangements for the Trip
or purchased this policy, whichever is the latest;
b)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
29
shown on Your policy certificate;
c)withdrawal from service of the aircraft, sea vessel,
coach or train on which You are booked to travel,
by order or recommendation of the regulatory
authority in any country. You should direct any
claim to the transport operator involved;
d)any claim arising from a volcanic eruption
(including volcanic ash being carried by the wind),
earthquake or tsunami;
e)claims where You have not obtained written
confirmation from the Carrier stating the period
and reason for delay;
f)anything mentioned in the General Exclusions.
Section H – Missed Departure
What is covered:
If during a Trip You arrive at the airport, port, train or
coach terminal too late to commence Your first
outward international journey to Your destination, or
Your Last inward International journey to Your Home
Country, we will pay up to the amount shown in the
Schedule of Benefits (for the cover level as shown on
Your Policy Certificate) for travelling and
accommodation expenses necessarily incurred to
reach the booked destination or Your Home Country
by the most direct alternative route, as a result of:
•
Mechanical breakdown of or road traffic accident
involving the vehicle in which You are travelling; or
•
Cancellation or curtailment of Public Transport due to
adverse weather conditions, Strike or Industrial Action,
mechanical breakdown, or road traffic accident;
•
An accident or breakdown on a motorway or dual
carriage way that You are travelling on which causes
an unexpected delay.
We will provide assistance by liaising with the Carrier
and/or tour operator to advise of Your late arrival and,
as necessary, We will make arrangements for overnight
hotel accommodation and alternative international travel.
Special conditions relating to claims:
3.In the event that Your vehicle suffers a breakdown
You must supply evidence that any recovery or
repair was made by a recognised garage or vehicle
recovery organisation
4.You must take every reasonable step to commence
and complete the journey to the departure point
and check in for the flight, sea crossing, coach or
train journey on time.
What is not covered:
a)claims arising from the missed departure of any air,
sea or road or rail transport in any country other
than in Your Home Country at any time during the
Trip or on Your return journey to Your Home
Country;
b)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
c)claims arising from actual or planned Strike or
Industrial Action which was common knowledge at
either the time You booked the Trip or purchased
this policy, whichever is the latest;
d)withdrawal from service of the aircraft, sea vessel,
coach or train on which You are booked to travel,
by order or recommendation of the regulatory
authority in any country. You should direct any
claim to the transport operator involved;
e)any claim arising from a volcanic eruption
(including volcanic ash being carried by the wind),
earthquake or tsunami;
f)additional costs where the Public Transport
operator has offered reasonable alternative travel
arrangements;
g)claims for additional mechanical wear and tear or
depreciation of Your vehicle or for mileage charges
other than additional fuel and oil;
Please Note:
h)claims under this Section in addition to claims
under Section G (Delayed Departure);
For residents of Northern Ireland, this section also
applies to an international departure point within the
Republic of Ireland.
j)anything mentioned in the General Exclusions.
For residents of The Channel Islands or the Isle of Man,
this section also applies to Your international
departure point within the UK.
1.You must leave enough time to arrive at Your
departure point at or before the recommended time;
2.You must obtain written confirmation from the
Carrier stating the period and reason for delay.
30
force covering the loss, the material damage or Your
liability, We will cover You (or in the event of Your
death, Your legal personal representatives) against:
•
all sums which You shall become legally liable to
pay as compensation; and
•
all law costs awarded to any claimant or incurred
in the defence of any claim that is contested by Us
or with Our consent.
We will pay up to a maximum, including costs, of the
amount shown in the Schedule of Benefits (for the
cover level as shown on Your Policy Certificate). This
limit applies to any and all claimants in any one Period
of Insurance affected by any and all occurrences with
any one original cause.
What is not covered:
a)injury to, or the death of, any member of Your
family or household, or any person in Your service;
b)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
c)property belonging to, or held in trust by You or
Your family, household or employee;
j)an Insured Person engaging in any Sports and
Activities or Winter Sports where this policy
specifically states that Personal Liability cover is
excluded (regardless of whether the Sports and
Activities or Winter Sports cover option has been
paid);
k)any claim arising in connection with a Trip solely
within Your Home Country;
l)the Policy Excess except where You have paid the
excess waiver cover option;
m)anything mentioned in the General Exclusions.
Sports and Activities
This Policy will cover You when engaging in the
Sports and Activities listed in the table below. Cover
is provided whilst participating in the following Sports
and Activities on a recreational, non-competitive and
non-professional basis:
• Abseiling (within organiser’s guidelines)
•A
erial Safaris (in chartered aircraft and an
organised excursion)
•A
erobics
e)any liability which attaches by virtue of a
contractual agreement, but which would not exist
in law in the absence of such an agreement;
•B
adminton
f)claims for injury, loss or damage arising directly or
indirectly from:
•ownership or use of: airborne craft; horsedrawn, motorised, mechanically-propelled or
towed vehicles; vessels, sail or powered boat
(other than row boats, punts or canoes); animals
(other than horses, domestic dogs or cats);
firearms;
•the pursuit or exercise of any trade, profession or
gainful occupation, or the supply of goods and
services by You;
•the ownership or occupation of any land or
building;
•wilful or malicious acts.
Section I – Personal Liability
If in the course of a Trip You become legally liable for
accidental bodily injury to, or the death of, any person
and/or accidental loss of or damage to their property,
then on condition that there is no other insurance in
i)any injury, illness, death, loss, expense or other
liability attributable to the transmission of any
communicable disease or virus however caused;
d)loss of or damage to property which is the legal
responsibility of You or Your family, household or
employee. (This exclusion will not apply to
temporary accommodation which You occupy and
for which You assume contractual responsibility
during Your Trip);
i)claims due to You allowing insufficient time to
complete Your journey to the departure point;
What is covered:
h)accidental injury or loss not caused through Your
negligence;
g)liability or material damage for which cover is
provided under any other insurance;
•A
ngling
•A
ssault Course
•B
anana Boating
•B
aseball
•B
asketball
•B
attle Re-enactment
•B
each Games
•B
illiards/Snooker/Pool
•B
ody Boarding (Boogie Boarding)
•B
owls
•C
anoeing/Rafting/White Water Rafting/Kayaking
– up to grade 3
•C
limbing (on a climbing wall only)
•C
roquet
•C
ross Country Running
•C
urling
•D
ancing (including under instruction)
• Deep Sea Fishing
• F alconry
• F ell Running (up to 2,500 metres above sea level)
31
• Fell Walking (up to 4,500 metres above sea level)
• Flying as a fare paying passenger in a fully licensed
passenger carrying aircraft
• Fishing
• Football (not a major competition, tournament
or main purpose of the trip)
• Frisbee/Ultimate Frisbee
• Glass Bottom Boats/Bubbles
• Gliding (not piloting and subject to flying with
a qualified pilot)
• Golf
• Gorilla Trekking (organised tours only)
• Gymnastics
• Horse Riding (wearing a helmet and excluding
competitions, racing, jumping, hunting and less
than 7 days)
• Hot Air Ballooning (licensed and organised pleasure
rides only)
• Indoor climbing (on a climbing wall)
• Jogging
• Korfball
• Land Skiing
• Marathon Running
• Netball
• Octopush
• Orienteering (up to 4,500 metres above sea level)
• Parascending (over water, only when attached to a
speed boat and one only)
• Pedalos
• Pony Trekking (wearing a helmet and excluding
competitions, racing, jumping, hunting and less than
7 days)
• Rambling (up to 4,500 metres above sea level)
qualified or accompanied by a qualified instructor and
not diving alone or involved in cave diving)
• Sledding
• Snorkelling
• Softball
• Surfing
• Swimming
• Swimming with Dolphins
• Racket Ball
• Riding Motorcycles (up to 1500cc only) for which
You have a valid, full UK licence, wear a helmet and
on recognised roads only. There is No Cover for
Quad biking, racing, motor rallies, competitions, time
trials, endurance events or any sort of riding off road.
• Rowing (within European waters only)
• Sailing/Yachting (if qualified or accompanied by
a qualified person – within European waters only)
•H
ockey/Shinty (field only)
• Tree Canopy Walking
• Swimming/Bathing with Elephants
There is no cover for any sport or activity not listed
under this section, unless authorised by us in writing.
If You are undertaking a pursuit or activity which is not
listed in this policy or are in any doubt as to whether
cover will apply, please call the Customer Care team
on 0330 123 3690.
• Tennis
• Squash
• Trekking/Hiking/Walking (up to 4,500 metres above
sea level)
• Tall Ship Crewing (no racing)
• Tug of War
• Volleyball
• Wake Boarding
• Water Polo
• Water Skiing (no jumping or stunts)
• Whale Watching
• Wicker Basket Tobogganing
• Wind Surfing/Sailboarding
• Wind Tunnel Flying (pads and helmets to be worn)
• Zip Lining/Trekking/Flying Fox (safety harness must
be worn)
• Zorbing/Hydro Zorbing/Sphering (organised
events)
The following Sports and Activities will also be
covered but no cover will apply in respect of any
Personal Accident or Personal Liability claims:
There is no cover for any sport or activity not listed
under this section, unless authorised by us in writing.
If You are undertaking a pursuit or activity which is not
listed in this policy or are in any doubt as to whether
cover will apply, please call the Customer Care team
on 0330 123 3690.
Section J – Optional Sports and Activities
Participation in the following Sports and Activities is
covered if you have paid an additional premium. Cover
is provided whilst participating in the following Sports
and Activities on a recreational,non-competitive and
non-professional basis under all sections of the policy:
• Amateur Athletics (track and field)
• Bungee Jumping (one jump only)
• Cricket
• Dry Slope Skiing
• Endurance Activities (up to 2,500 metres above
sea level)
• Clay Pigeon Shooting (organised events)
• Mountain Biking (wearing a helmet)
• Camel Riding
• Cycling (wearing a helmet and no racing)
• Elephant Riding/Trekking
• Fencing
• Fives
• Go Karting (up to 120cc, wearing a helmet)
• Handball
• Jet Boating/Power Boating
• Skateboarding (wearing pads and helmets and
no stunts)
• Jet Skiing
• Skin Diving (diving to a depth of 30 metres if
• Paint Balling/War Games (wearing eye protection)
32
•S
quash
• Shooting/Small Bore Target/Rifle Range Shooting
(within organiser’s guidelines)
• Sand Yachting
• Rounders
• Shark diving in a cage under water
(professionally supervised)
•K
ite Surfing (no cover for kite damage)
• Ten Pin Bowling
• Table Tennis
• Roller Skating/Blading/In-line (incidental, wearing
pads, helmets and no stunts)
• Scuba diving up to depth of 30 metres (if qualified
or accompanied by qualified instructor and not
diving alone or involved in cave diving)
•K
ite Boarding (no cover for kite damage)
•K
ite Buggying (no cover for kite damage)
• Gymkhana (professionally organised tours)
• Sand Dune Surfing/Skiing
•C
anoeing/Rafting/White Water Rafting/Kayaking
(grades 4 and 5 only)
• Sandboarding/Surfing/Skiing
• Sydney Harbour Bridge (organised and walking
across clipped onto a safety line)
• Archery
• Safari Trekking/Tracking in the bush (must be
organised tour)
a recreational, non-competitive and non-professional
basis under all sections of the policy:
• Jousting
• High Diving (pool only)
• Scuba Diving (to a depth of 30 to 50 metres if BSAC,
PADI, SSI or SAA member)
• Sea Kayaking (no racing and within European
waters only)
• Team Building
• Trampolining
Your policy can be extended to cover the following
Sports and Activities for an additional premium, but no
cover will apply in respect of any Personal Accident or
Personal Liability claims. Cover is provided whilst
participating in the following Sports and Activities on
• L acrosse
Section K – Winter Sports
This policy specifically excludes participating in or
practising for certain Winter Sports. If You are under
70 years of age, Your policy can be extended to cover
some of these sporting activities when You have paid
the additional Winter Sports cover option. Your policy
can only be extended before departure from Your
Home Country.
When are You covered for Winter Sports?
If You have purchased a Single Trip policy, You are
covered when taking part in Winter Sports if You have
paid the appropriate additional premium for the Period
of Insurance.
If You have purchased an Annual Multi-trip policy, You
are covered when taking part in Winter Sports for up
to 17 days during the Period of Insurance when You
have paid the appropriate additional premium.
This policy will cover You when You are engaging in
the following Winter Sports on a non-competitive and
non-professional basis during Your Trip when You
have paid the additional Winter Sports cover option:
•A
ir Boarding
•B
ig Foot Skiing
•C
ross-country Skiing (with a guide on recognised
paths)
•D
ownhill Skiing
•G
lacier Skiing/Walking (as part of an organised tour
and no overnight stays)
•H
usky Dog Sledding (organised and with an
experienced local driver)
• Ice Skating
• L apland Trips – husky dog sledge and reindeer
33
sledge (all as a passenger only)
• Mogul Skating
stolen, destroyed or lost (and not recovered)
in the course of a Trip.
• Ski Blading
•
We will pay up to the amount shown in the
Schedule of Benefits if Your ski pass You are
carrying on Your person or have left in a locked
safety box is lost, stolen, damaged or destroyed
in the course of a Trip.
• Skiing (on piste)
Skis and ski equipment are covered against damage
or loss whilst in use.
• Snow Boarding (off piste on recognised paths and
within resort boundaries)
Skis are covered when locked to a roof rack, which
is itself locked to the roof of a vehicle.
• Snow Boarding (on piste)
Special conditions relating to claims:
• Passenger Sledge
• Skiing (off piste on recognised paths and within
resort boundaries)
• Ski Run Walking
• Snow Shoe Walking (recognised paths)
• Snow Speed Skating
• Snow Tubing (organised event)
Your policy can be extended to cover the following
Winter Sports for an additional premium, but no cover
will apply in respect of any Personal Accident or
Personal Liability claims:
• Skidooing
• Snow Mobiling
You are not covered when engaging in organised
competitions or when skiing against local authoritative
warning or advice.
There is no cover for any sport or activity not listed
under this section, unless authorised by us in writing:
If You are undertaking a pursuit or activity which is not
listed in this policy or are in any doubt as to whether
cover will apply, please call the Customer Care team
on 0330 123 3690
What is covered:
The following benefits are subject to the Winter Sport
being covered by this policy as shown in the tables
above and when You have paid for the Winter Sports
cover option as shown on Your Policy Certificate.
Benefits for the cover level You have purchased (as
shown on Your Policy Certificate), under the Sections
of cover already described are extended to cover
Winter Sports as follows. Please note that all terms,
conditions and exclusions (except where these are
amended under this cover option) continue to apply
for all Sections in respect of Winter Sports. You must
read these extensions in conjunction with Sections
A-I and refer back to them when appropriate for full
cover details.
Section K1 – Ski Equipment
What is covered in addition to Section E (Baggage):
•
We will pay up to the amount shown in the
Schedule of Benefits if skis and ski equipment
belonging to or hired by You is/are damaged,
34
1. Claims are paid based on the value of the goods at
the time of original purchase and a deduction is then
made for wear, tear, and loss of value, bearing in
mind the age of the items. Claims are not paid on
a ‘new for old basis’ or replacement cost basis.
2.You must take sufficient precautions to secure the
safety of Your skis, ski equipment and ski pass and
must not leave them Unattended at any time
in a place to which the public has access.
What is not covered:
a)the Policy Excess except where You have paid the
excess waiver cover option;
and ski equipment. You must provide Us with receipts
and written confirmation from the Carrier confirming
the delay.
Section L1 – Business Equipment
What is not covered:
Up to the amount shown in the Schedule of Benefits for;
a)anything mentioned in the General Exclusions.
•
Accidental loss, theft or damage to Your
Business Equipment;
Section K4 – Piste Closure
•
Emergency courier expenses You have incurred,
in obtaining any Business Equipment which is
essential to Your intended business itinerary;
What is covered:
If during a Trip You are prevented from skiing at the
pre-booked resort for more than 24 consecutive hours,
because insufficient snow causes a total closure of the lift
system (other than baby drags and lifts used for transport
within the resort by non-skiers), We will reimburse up to
the amount shown in the Schedule of Benefits:
•
for all reasonable travel costs and lift pass charges
You have to pay to travel to and from a similar
area to ski; or
•
as a cash benefit payable if no suitable alternative
skiing is available.
What is not covered:
a)claims arising from closure of the resort lift system
due to avalanches or dangerous high winds;
b)anything mentioned in the General Exclusions.
b)Trips in the Northern Hemisphere outside the period
commencing 1st December and ending 31st March;
Section K2 – Ski Pack
c)Trips in the Southern Hemisphere outside the period
commencing 1st May and ending 30th September;
What is covered in addition to Section A (Cancellation
or Curtailment) up to the amount shown in the
Schedule of Benefits:
•
Financial loss You suffer in connection with
deposits You cannot recover, or for payments You
have made (or have contracted to pay) for unused
ski pass or ski school fees.
d)anything mentioned in the General Exclusions.
If Your luggage is certified by the Carrier to have been
misplaced on the outward journey of a Trip in excess
of 12 hours, then You can claim up to the amount shown
in the Schedule of Benefits, for hire of replacement skis
•
Up to the amount shown in the Schedule
of Benefits for computer equipment;
•
£50 per single item, up to a maximum of £250 in total
for any one claim if You are unable to provide the
original receipt, proof of purchase; or an insurance
valuation which was obtained prior to the loss.
What is not covered:
a)Your engaging in Manual Work in conjunction with
any profession, business or trade during the Trip;
b)the Policy Excess except where You have paid the
excess waiver cover option, except where You
were engaged in Manual Work where the excess
will be £250 and the excess waiver cover option
will not remove this increased excess
d)any claim for loss or theft of Your Business
Equipment if You have not notified the police within
24 hours of its discovery and obtained a written
report which includes the crime reference number;
What is not covered:
What is covered:
•
Up to the amount shown in the Schedule
of Benefits for any one article or samples;
What is covered:
What is not covered:
Section K3 – Ski Hire
The maximum we will pay for is;
c)wear tear or depreciation;
•
If You are certified by a Medical Practitioner at the
ski resort as being unable to ski as a direct result of
injury or sudden and unforeseen illness occurring
during the Trip, We will pay You a proportionate
refund in respect of charges for unused ski-pack.
b)anything mentioned in the General Exclusions.
•
The purchase of essential items, if your Business
Equipment is delayed or lost in transit on your
outward journey for more than 12 hours.
Section K5 – Avalanche
If, following avalanches or landslides, access to and
from the ski resort is blocked or Public Transport
services are cancelled or curtailed We will pay up to
the amount shown in the Schedule of Benefits (for the
cover level as shown on Your Policy Certificate) for
reasonable extra accommodation and travel expenses.
Evidence of limited access will be required.
a)the Policy excess except where You have paid the
excess waiver cover option;
What is covered:
e)any claim, if the loss or theft of Your Business
Equipment occurs during a journey or whilst in
the custody of an airline or other Carrier or their
handling agent and You have not obtained an
official report or a Property Irregularity Report (PIR);
a)anything mentioned in the General Exclusions.
f)claims arising from delay, detention, seizure
or confiscation by Customs or other officials;
Section L – Business Cover
g)damage caused by the leakage of powder or
liquid carried with Your Business Equipment;
When You have paid for the Business cover option as
shown on Your Policy Certificate, cover under Sections
L1 to L4 will apply, up to the amount shown in the
Schedule of Benefits (for the cover level as shown
on Your Policy Certificate). Your policy can only be
extended before departure from Your Home Country.
h)any breakage of fragile articles, unless the breakage
is caused by fire or an accident involving the
vehicle in which You are being carried;
i)claims for loss, theft or damage to anything being
shipped as freight or under a Bill of Landing;
j)damage to, loss or theft of Your Business Equipment,
if it has been left unattended in a place to which
35
the public have access; or left in an unattended
motor vehicle, unless they have been taken from
a locked boot between 8am-8pm local time and
there is evidence of forced entry, which is confirmed
by a police report or: in the custody of a person
who does not have an official responsibility for the
safekeeping of the property;
k)any claim for Business Equipment delay, if You
cannot supply receipts for the essential items
purchased and written confirmation from the
Carrier as to the length of the delay;
Section L3 – Business Money
What is covered:
If during a Trip, the Business Money You are carrying
on Your person or You have left in a locked safety
deposit box is lost, stolen, damaged or destroyed, then
subject to the following conditions and exclusions, We
will cover You up to an overall maximum shown in the
Schedule of Benefits (for the cover level as shown on
Your Policy Certificate).
What is not covered:
b)anything mentioned in the General Exclusions.
Section M – Golf Cover
When You have paid for the Golf cover option as
shown on Your Policy Certificate, cover under Sections
M1 to M4 will apply, up to the amount shown in the
Schedule of Benefits (for the cover level as shown
on Your Policy Certificate). Your policy can only be
extended before departure from Your Home Country.
a)the Policy Excess except where You have paid the
excess waiver cover option;
Section L2 – Business Equipment Hire
b)any claim for loss or theft of Business Money if You
have not notified the police within 24 hours of its
discovery and obtained a written report which
includes the crime reference number;
We will pay up to the amount shown on the Schedule
of Benefits, for accidental loss, theft of or damage to
Golf Equipment which You own.
d)any loss if You have not taken reasonable steps to
prevent a loss happening;
•
The amount shown in the Schedule of Benefits
for any one club or one piece of Golf Equipment.
If you cannot provide an original receipt, valuation
report or other satisfactory proof of ownership and
value to support the claim, payment for any one
article, or for any one Pair or Set of articles, will
be limited to a maximum of £50. Evidence of
replacement value is not sufficient.
If Your Business Equipment is lost, stolen, damaged,
misdirected or delayed in transit by more than 12 hours
We will pay You up to the maximum shown in the
Schedule of Benefits for the cost of hiring the necessary
Business Equipment for each 24 hour period You are
without Your business equipment.
What is not covered:
a)any claim for loss or theft of Business Equipment if
You have not notified the police within 24 hours of
its discovery and obtained a written report which
includes the crime reference number;
e)loss or theft of Business Money that is not on Your
person; or not deposited in a locked safe or a
locked safety deposit box;
f)loss or theft of Business Money that does not
belong to Your employer; or You, if You are
self-employed;
g)loss or theft of travellers cheques, if the issuer
provides a replacement service;
b)any claim, if the loss or theft of Your own Business
Equipment occurs during a journey or whilst in the
custody of an airline or other Carrier or their
handling agent and an official report or a Property
Irregularity Report (PIR) was not obtained;
h)depreciation in value, currency changes or
shortage caused by any error or omission;
c)claims arising from Your own Business Equipment
being delayed, detained, seized or confiscated by
Customs or other officials;
k)any pre-paid currency card;
d)claims for loss, theft or damage to anything being
shipped as freight or under a Bill of Landing;
e)damage to, loss or theft of Your own Business
Equipment, which is being carried on a vehicle roof
rack;
f)damage to, loss or theft of Your own Business
Equipment, if it has been left unattended in a place
to which the public have access; or left in an
unattended motor vehicle, unless they have been
taken from a locked boot between 8am-8pm local
time and there is evidence of forced entry, which is
confirmed by a police report or; in the custody of a
person who does not have an official responsibility
for the safekeeping of the property;
g)anything mentioned in the General Exclusions.
36
i)claims arising from delay, detention, seizure
or confiscation by Customs or other officials;
j)anything that can be replaced by the issuer;
l)anything mentioned in the General Exclusions.
Section L4 – Replacement Employee
What is covered:
Up to the amount shown in the Schedule of Benefits for
necessary additional travel and accommodation expenses
incurred for an employee to replace You due to:
•
Your temporary total disablement which lasts for a
continuous period of at least 72 hours, as certified
by a Medical Practitioner; or
•
Your death or Your hospitalisation; or
•
the death, injury or illness (occurring in Your Home
Country during the period of the Trip) of Your
Close Relative or close business associate.
What is not covered:
a)the Policy Excess except where You have paid the
excess waiver cover option;
•left in an unattended motor vehicle; or
•in the custody of a person who does not have
an official responsibility for the safekeeping of
the property;
i)any claim for damage to Golf Equipment whilst in use;
j)anything mentioned in the General Exclusions.
Section M2 – Golf Equipment Hire
What is covered:
Section M1 – Golf Equipment
l)anything mentioned in the General Exclusions.
What is covered:
What is covered:
The maximum We will pay is:
•
£250 for all articles lost, damaged or stolen in any
one incident if You cannot provide satisfactory
proof of ownership and value.
What is not covered:
a)the Policy Excess except where You have paid the
excess waiver cover option;
b)Golf Equipment which is over three years old;
c)any claim for loss or theft of Golf Equipment if You
have not notified the police within 24 hours of its
discovery and obtained a written report which
includes the crime reference number;
d)any claim, if the loss or theft occurs during a
journey or whilst in the custody of an airline or
other Carrier or their handling agent of the incident
and obtained an official report or a Property
Irregularity Report (PIR);
e)claims arising from delay, detention, seizure or
confiscation by Customs or other officials;
f)claims for loss, theft or damage to anything being
shipped as freight or under a Bill of Lading;
g)damage to, loss or theft of Golf Equipment, which
is being carried on a vehicle roof rack;
h)damage to, loss or theft of Golf Equipment, if it has
been left:
•unattended in a place to which the public have
access; or
If Your own Golf Equipment is lost, stolen, damaged,
misdirected or delayed in transit by more than 24 hours
We will pay You up to the amount shown in the Schedule
of Benefits for the cost of hiring the necessary Golf
Equipment for each 24 hour period You are without
Your own golf equipment.
What is not covered:
a)any claim for loss or theft of Golf Equipment if
You have not notified the police within 24 hours
of its discovery and obtained a written report
which includes the crime reference number;
b)any claim, if the loss or theft occurs during a
journey or whilst in the custody of an airline or
other carrier or their handling agent of the incident
and obtained an official report or a Property
Irregularity Report (PIR);
c)claims arising from delay, detention, seizure
or confiscation by Customs or other officials;
d)claims for loss, theft or damage to anything being
shipped as freight or under a Bill of Lading;
e)damage to, loss or theft of Golf Equipment,
which is being carried on a vehicle roof rack;
f)damage to, loss or theft of Golf Equipment, if it
has been left unattended in a place to which the
public have access; or left in an unattended motor
vehicle; or in the custody of a person who does
not have an official responsibility for the
safekeeping of the property;
g)anything mentioned in the General Exclusions.
Section M3 – Non-Refundable Golfing Fees
What is covered:
We will pay You up to the amount shown in the
Schedule of Benefits per day for the proportionate
value of any non-refundable;
•
Pre-paid green fees; or
•
Golf Equipment hire fees; or
•
Tuition hire fees
Which are not used due to:
a)You being involved in an accident; or
37
b)Your sickness; or
c)Adverse weather conditions which causes the
closure of the golf course.
What is not covered:
a)any claims arising directly or indirectly as a result
of any Pre-existing Medical Conditions, unless You
have declared these to Us and We have written to
You accepting them for insurance;
b)claims arising directly from a medical condition
which is not substantiated by a report from the
treating doctor confirming Your inability to play golf;
in an accident or having a mechanical breakdown.
(This would not include any vehicle running out
of petrol, oil or water, having a flat tyre, puncture
or flat battery.)
•
An accident or breakdown occurring ahead of
You on a motorway or dual carriage way which
causes an unexpected delay to the vehicle in
which You are travelling.
This section does not apply for Trips in Your
Home Country.
Special conditions relating to claims:
c)anything mentioned in the General Exclusions.
1.You must leave enough time to arrive at Your
departure point at or before the recommended time;
Section M4 – Hole In One
2.You must get confirmation of the reason for the delay
and how long it lasts from the appropriate authority;
What is covered:
We will pay You up to the amount shown in the
Schedule of Benefits if you complete a hole in one
during any organised game on any full size golf course.
What is not covered:
a)any claim If you do not produce written
confirmation from the secretary of the golf course,
stating that the hole in one has been performed to
the satisfaction of the club, together with the
original score card fully completed and duly signed;
b)more than one payment per game;
c)anything mentioned in the General Exclusions.
Section N – Cruise Cover
When You have paid for the Cruise cover option as
shown on Your Policy Certificate, cover under Sections
N1 to N3 will apply, up to the amount shown in the
Schedule of Benefits (for the cover level as shown
on Your Policy Certificate). Your policy can only be
extended before departure from Your Home Country.
Section N1 – Missed Departure, Missed Port
What is covered:
We will pay up to the amount shown in the Schedule
of Benefits for the extra reasonable costs of travel and
accommodation (room only) to continue Your Trip if
You fail to reach the original departure point of Your
Trip on the outward or final return journey or if You
fail to re-join Your cruise ship before the final
departure of Your journey if You fail to arrive at the
departure on time to board the ship on which You are
booked to travel due to:
3.Supply evidence that the vehicle was properly
serviced and maintained and that any recovery
or repair was made by a recognised breakdown
organisation (if Your claim is about Your own
vehicle suffering a mechanical breakdown).
Special conditions relating to claims:
•
Your temporary illness requiring hospital treatment
on dry land.
2.You must provide the receipt(s) showing the cost
of the hire or cleaning costs.
•
Your passport being lost after Your international
departure but before embarkation of Your planned
cruise or during dis-embarkation ashore on one of
the scheduled stops as a result of loss or theft.
Special conditions relating to claims:
1.Prior to arranging any additional travel, contact Us
so that we can approve and assist with any travel
arrangements. Failure to do so can result in Your
claim being declined.
2.You must also obtain a medical certificate from the
Medical Practitioner in attendance to confirm the
details of Your unforeseen illness or injury.
1.You must provide written confirmation of the loss
or damage.
3.You must report the loss or theft to the police or
relevant authority within 12 hours of discovering it,
and get a written police report.
What is not covered:
a)property that You leave unattended in a public place;
b)any claim for lost or stolen items that have not been
reported to the police or relevant authority within
12 hours of discovery and for which You do not get
a written report;
c)any claim for damage not reported at the time of
the incident and a report obtained;
d)anything mentioned in the General Exclusions.
3.You must report the loss or theft of the passport
to the police within 12 hours of discovering it, and
get a written police report.
Section O – Legal Protection
What is not covered:
What is not covered:
What is covered:
a)Strike or Industrial Action or air traffic control delay
existing or publicly declared at the date this
insurance is purchased by You or the date Your
Trip was booked, whichever is the later;
a)the Policy Excess except where You have paid the
excess waiver cover option;
b)an accident to or breakdown of the vehicle in
which You are travelling for which a professional
repairer’s report is not provided;
c)any known Pre-existing Medical Condition
affecting You unless You have declared all
Pre-existing Medical Conditions to Us and We have
written to You accepting the Medical Conditions
for insurance;
We will provide telephone advice, guidance and
assistance on any legal problem, which arises in
connection with a Trip or in connection with Your
Home. This service is available when You start Your
Trip until 7 days after You return Home.
c)breakdown of any vehicle in which You are
travelling if the vehicle is owned by You and has
not been serviced properly and maintained in
accordance with manufacturer’s instructions;
d)withdrawal from service (temporary or otherwise)
of an aircraft or sea vessel on the recommendation
of the Civil Aviation Authority or a Port Authority
or any such regulatory body in a country to/from
which You are travelling;
e)additional expenses where the scheduled Public
Transport operator has offered reasonable
alternative travel arrangements;
f)any claim that results from volcanic eruption
(including volcanic ash being carried by the wind),
earthquake or tsunami;
b)claims where less than 25% of the Trip duration
remains;
d)any loss of passport not reported to the police or
other authority within 12 hours of discovery and
for which You do not get a written report;
e)any passport that is legally detained or held by
any customs or any other officials;
f)any passport that You do not carry with You on
Your person (unless they are held in a locked cabin
or locked safety deposit box);
g)any passport that You lose or are stolen while they
are not in Your control or while they are in the control
of any person other than an airline or Carrier;
h)anything mentioned in the General Exclusions.
g)the Policy Excess except where You have paid the
excess waiver cover option;
Section N3 – Evening Dress Hire
h)anything mentioned in the General Exclusions.
What is covered:
•
Public Transport services failing (due to poor
weather conditions, a Strike, Industrial Action
or a mechanical breakdown).
Section N2 – Cruise Interruption
•
The vehicle You are travelling in being involved
We will pay up to the amount shown in the Schedule
38
of Benefits for additional travel and accommodation
expenses incurred to reach the next port in order to
re-join the cruise, following:
What is covered:
We will pay up to the amount shown in the Schedule
of Benefits for any evening dress/attire that is lost,
stolen or damaged during the Trip. We will cover the
additional costs to hire replacement evening wear or
the cleaning costs that are necessarily incurred.
If You suffer death, illness or personal injury during the
Trip, or if Your Home suffers damage during the Trip,
then in the event that You or Your personal
representatives decide to take out legal proceedings
in pursuit of compensation, and We consider that You
are likely to obtain a reasonable settlement:
We will advance on Your behalf:
•
Up to £25,000 in total under this policy per Insured
Person (and in total for all Insured Persons in
connection with any one event giving rise to a
claim) for legal costs and expenses directly incurred
in the pursuit of these proceedings.
•
Additional travel expenses in the event that a Court
outside Your Home Country requires You to attend
in connection with an event giving rise to an action
under this Section, up to a maximum per Insured
Person of £250.
•
When We have begun proceedings on Your behalf
and You receive no compensation, or only limited
compensation, We will cover You against claims
for fees, costs and expenses arising out of the
proceedings, to the extent that these fees, costs
and expenses exceed the amount of any
compensation You have received, up to £25,000
in total under this policy per Insured Person (and in
total for all Insured Persons in connection with any
39
one event giving rise to a claim). This benefit will
be offset against the advance described above.
Special conditions relating to claims:
1.We shall have complete control over the legal
proceedings although You do not have to accept
the lawyer nominated by Us.
2.Lawyers must be qualified to practice in the Courts
of the country where the event giving rise to the
claim occurred or where the proposed defendant
under this Section is resident.
3.If You are unable to agree with Us on a suitable
lawyer We will ask the ruling body for lawyers in
that country to nominate another lawyer. In the
meantime, We may appoint a lawyer to protect
Your interests.
4.If an award of compensation is made and payment
is received by You, or by a lawyer instructed on
Your behalf, then all sums advanced or paid by Us
shall be repaid out of the compensation received.
5.We can opt to conduct legal proceedings
instituted in the United States of America or
Canada under the contingency fee system
operating in North America.
6.We will not begin legal proceedings in more than
one country in respect of the same occurrence.
7.You must notify Us as soon as possible of any
incident which may give rise to a claim, and at
the latest, within 90 days.
What is not covered:
a)costs or expenses incurred without prior
authorisation by Us;
b)any claims relating to a cruise holiday unless You
have either purchased Premier or Premier Plus cover
(and are under 75 and do not have any pre-existing
medical conditions unless we have agreed in writing
to cover them) or You have purchased Premier or
Premier Plus cover and the cruise cover option as
shown on Your policy certificate;
c)any incident, which may give rise to a claim, not
notified to Us within 90 days;
d)the pursuit of a claim against Us, Our agent or an
Insurer underwriting any Section of this policy,
or a Travel Agent, tour operator or Carrier;
e)actions between Insured Persons, or actions
pursued in order to obtain satisfaction of a
judgement or legally binding decision;
f)any advice or any claim arising in connection
with a Trip solely within Your Home Country;
g)anything mentioned in the General Exclusions.
Section P – End Supplier Failure
The cover under this Section is provided by
40
International Passenger Protection Limited, IPP House,
22-26 Station Road, West Wickham, Kent BR4 0PR,
United Kingdom and is underwritten by Certain
Underwriters at Lloyd’s (The Insurer).
What is covered:
The Insurer will pay up to the amount shown on the
Schedule of Benefits in total for each person-insured
named on the Policy Certificate for:
1. Irrecoverable sums paid in advance in the event of
insolvency of the Scheduled Airline, Hotel, Train
Operator including Eurostar, Car ferries; Villas
Abroad and Cottages in the UK; Coach operator,
Car Hire company, Caravan Sites, campsites,
Mobile Home, Camper rental, Safaris; excursions;
Eurotunnel; Theme Parks such as Disneyland Paris
all known as the End Supplier of the travel
arrangements not forming part of an inclusive
holiday prior to departure; or
2. In the event of insolvency after departure:
a)
additional pro rata costs incurred by the PersonInsured in replacing that part of the travel
arrangements to a similar standard of transportation
as enjoyed prior to the curtailment of the travel
arrangements; or
b) if curtailment of the holiday is unavoidable – the
cost of return transportation to the United Kingdom,
Channel Islands, Isle of Man or Ireland to a similar
standard the curtailment of the travel arrangements.
Provided that in the case of 2(a) and (b) above where
practicable the Person-Insured shall have obtained
the approval of the Insurer prior to incurring the
relevant costs by contacting the Insurer as set under
the Claims Procedure.
What is not covered:
1.Travel or Accommodation not booked within the
United Kingdom, Channel Islands, Isle of Man or
Northern Ireland prior to departure;
2.The Financial Failure of:
a. any Travel or Accommodation provider in Chapter 11
or any threat of insolvency being known at the date
of issue of the Policy Certificate;
b. any Travel or Accommodation provider who is
bonded or insured elsewhere (even if the bond is
insufficient to meet the claim);
c. any travel agent, tour organiser, booking agent or
consolidator with whom the insured has booked
travel or accommodation;
3.Any loss for which a third party is liable or which
can be recovered by other legal means;
4.Any losses that are not directly associated with the
incident that caused you to claim. For example, loss
due to being unable to reach your pre booked
hotel following the financial failure of an airline.
General Conditions Applying
To Your Policy
1.No cover will come into force, or
continue in force, under Sections A, B
or C unless each Insured Person, who
must make a Medical Health Declaration
in respect of the period for which
insurance is required, has declared ALL
Pre-existing Medical Conditions to the
Medical Screening Service and they
have been formally accepted by Us in
writing.
2.To be covered under this insurance,
You must be healthy, fit to travel and
able to undertake Your planned Trip.
3.Any medical information supplied in a
Medical Health Declaration will be
treated in the strictest confidence, will
be used solely for Our own internal
purposes for the assessment of the risk,
and will not be disclosed to any outside
person or authority without the specific
approval of the person whose details
are shown in the Medical Health
Declaration. We shall not refuse cover
unless, in Our opinion, the risk
associated with the particular person
travelling is substantially greater than
that represented by the average healthy
traveller. The cost of any medical
evidence produced in connection with
a Medical Health Declaration shall be
borne by You.
4.If Your health or medical status changes
before You depart on a Trip or at any
time during the Period of Insurance,
You must declare this change to the
Medical Screening Service. This change
must be accepted in writing before
cover will be continued. (Please see
the ‘Medical Health Declaration’ section
for further details.)
5.You must answer all questions about
this policy honestly and fully at all times.
You must also tell us straight away if
anything that You have already told
us changes. If You do not tell us, Your
policy may be cancelled and any claim
You make may not be paid.
6.You must exercise reasonable care for
the supervision and safety of both You
and Your property. You must take all
reasonable steps to avoid or minimise
any claim. You must act as if You are
not insured.
7.You must avoid needless self-exposure
to peril unless You are attempting to
save human life.
8.We will make every effort to apply the
full range of services in all circumstances
dictated by the terms and conditions.
Remote geographical locations or
unforeseeable adverse local conditions
may preclude the normal standard
of service being provided.
41
9.In the event of an emergency or any
party or other insurers (including the
Department of Work and Pensions) by
occurrence that may give rise to a claim
providing all details required and
for more than £500 under this
completing the necessary forms.
insurance, You must contact Us as soon
as possible. You must make no admission
14.You must take all practical steps to
of liability, offer, promise or payment
recover any article lost or stolen and to
without Our prior consent. Please
identify and ensure the prosecution of
Telephone Us first.
the guilty person(s). We may at any time
and at Our expense take such action as
10.We are entitled to take over Your rights
We deem fit to recover the property
in the defence or settlement of a claim,
lost or stated to be lost.
or to take proceedings in Your name for
Our own benefit against another party
and We shall have full discretion in such
matters. This is to enable Us to recover
any costs We have incurred from any
third party who may have liability for
the costs.
15.In the event of a valid claim You shall
allow Us the use of any relevant Travel
Documents You are not able to use
because of the claim.
16.You must notify Us in writing of any
event which may lead to a claim, within
11.We may, at any time, pay to You Our
28 days of Your return Home. As often
full liability under this policy after which
as We require You shall submit to
no further liability shall attach to Us
medical examination at Our expense.
in any respect or as a consequence of
In the event of the death of an Insured
such action.
Person We shall be entitled to have a
post mortem examination carried out at
12.If, at the time of making a claim there is
Our expense. You must supply Us with
any other policy covering the same risk
a written statement substantiating Your
We are entitled to contact that insurer
claim, together with (at Your own
for a contribution. This insurance policy
expense) all certificates, information,
does not cover any claim which, but for
evidence and receipts that We
the existence of this insurance, would
reasonably require.
be covered under any other insurance
policy. This includes any amounts
17.If any fraudulent claim is made or if any
recovered by You from private health
fraudulent means or devices are used to
insurance, EHIC payments, any
obtain any benefit under the insurance,
reciprocal health agreements, airlines,
this policy shall become void and the
hotels, home contents insurers or any
premium paid shall be forfeited. Any
other recovery by You which is the
benefits so claimed and received must
basis of this claim.
be repaid to Us.
13.You must assist Us to obtain or pursue a
recovery or contribution from any third
42
18.If You fail to satisfy the terms of Your
Policy, We may choose to cancel Your
Policy during the Period of Insurance by
giving You 7 days, written notice of
cancellation to the last address You
provided Us with. Examples of when
We might do this include You not
paying a Premium when due and Us
discovering that You are no longer
eligible for cover.
activity listed on this policy, You must
accept and follow the supervision and
tuition of experts qualified in the pursuit
or activity in question, and You must use
all appropriate precautions, equipment
and protection.
24.Although We are prepared to cover
You when undertaking certain Sports
19.If any dispute arises as to the policy
and Activities, the availability of the
interpretation, or as to any rights or
insurance cover does not, in itself, imply
obligations under this policy, We offer
that We or the underwriters consider
You the option of resolving this by using
such Sports and Activities as safe. At all
the arbitration procedure We have
times You must satisfy yourself that You
arranged. Please see the details shown
are capable of safely undertaking the
under Customer Satisfaction. Using this
planned sport or activity and You must
service will not affect Your legal rights.
take care to avoid injury, accident or loss
If You are unsure of Your legal rights,
to yourself and to others.
You should contact the Citizens
Advice Bureau.
20.You will be required to repay to Us,
within one month of Our request to
You, any costs or expenses We have
paid on Your behalf which are not
covered under the terms and conditions
of this policy.
21.This policy is subject to the Laws of
England and Wales unless we agree
otherwise. The courts of England and
Wales alone shall have jurisdiction in
any disputes.
22.You must pay the appropriate premium
for the full number of days comprising
Your planned Trip. If You travel for more
than the number of days for which You
have paid for cover, You will not be
covered after the last day for which
You have paid.
23.When engaging in any sport or holiday
43
General Exclusions Applying
To Your Policy
No Section of this policy shall apply in
respect of:
1.Any person practising in Winter Sports
who has reached the age of 71 years
prior to the commencement of the
Period of Insurance.
6.Costs which would have been payable
if the event being the subject of a claim
had not occurred (for example, the cost
of meals which You would have paid for
in any case).
7.We will not pay for any losses which
are not directly covered by the terms
2.Any person who is travelling against the
and conditions of this policy. Examples
advice of a Medical Practitioner (or would
of losses We will not pay for include
loss of earnings due to being unable to
be travelling against the advice of a Medical
return to work following injury or illness
Practitioner had they sought his/her advice).
happening while on a Trip and replacing
3.Any person who is travelling with the
locks if You lose Your keys.
intention of obtaining medical treatment
8.Costs of telephone calls or faxes, meals,
or consultation abroad.
taxi fares (with the sole exception of the
4.Any person who has undiagnosed
taxi costs incurred for the initial journey
symptoms that require attention or
to a hospital abroad due to an Insured
investigation in the future (that is symptoms
Person’s illness or injury), interpreters’
fees, inconvenience, distress, loss of
for which they are awaiting investigations/
earnings, loss of enjoyment of holiday,
consultations, or awaiting results of
time-share maintenance fees, holiday
investigations where the underlying cause
property bonds or points and any
has not been established).
additional travel or accommodation
5.Loss, damage or expense which at the
costs (unless pre-authorised by Us or
time of happening is insured by, or would,
part of a valid claim under Section B
but for the existence of this policy, be
(Emergency Medical and Additional
Expenses), Section A (Cancellation or
insured by any other existing certificate,
Curtailment) or Section F (Personal
policy or any motoring organisation’s
Money and Passport).
service. If You have any other policy in
force, which may cover the event for
which You are claiming, You must tell Us.
This exclusion shall not apply to Personal
Accident cover under Section D.
44
9.Any deliberately careless or deliberately
negligent act or omission by You.
10.Any claim caused by You climbing,
jumping or moving from one balcony
to another regardless of the height of
the balcony.
11.Any claim arising or resulting from Your
own illegal or criminal act.
12.Needless self-exposure to peril except
in an endeavour to save human life.
13.Any claim arising directly or indirectly
from Your drug addiction or solvent
abuse, excessive alcohol intake, or You
being under the influence of drug(s).
•Regular armed forces personnel
•Professional sports men and women
and teams.
21.Any claim arising as a result of:
a. war, invasion, acts of foreign enemies,
hostilities or warlike operations (whether
war be declared or not), civil war,
rebellion, revolution, insurrection, civil
commotion or uprising, blockade, military
or usurped power;
14.Any claim arising or resulting directly or
indirectly from Your suicide, attempted
suicide, or intentional self-injury.
15.You engaging in Manual Work in
conjunction with any profession,
business or trade during the Trip.
i. this exclusion will not apply to Section
D - Personal Accident, Section B Emergency Medical and Additional
Expenses or Section C - Hospital
Benefit, provided that the insured
person suffering personal accident
injury or illness has not participated in
or conspired in such activities.
16.You engaging in any Sports and Activities b. any act of terrorism not involving the use
or release of, or threat thereof, any
or Winter Sports unless the appropriate
nuclear weapon or any chemical or
Sports and Activities or Winter Sports
biological agents:
cover option has been paid.
17.You participating in any Winter Sports or Sports and Activities not listed under this
policy unless specifically agreed by Us.
18.Participation in any organised competition
involving any Sports and Activities or
Winter Sports.
19.You fighting except in self-defence.
20.This policy does not cover the following
professions during the course of their
employment:
•Airline personnel and aircrew
•Member of a ship’s crew
i. this exclusion will not apply to Section
D - Personal Accident, Section B Emergency Medical and Additional
Expenses or Section C - Hospital
Benefit, provided that the insured
person suffering personal accident
injury or illness has not participated in
or conspired in such activities.
ii. p
rovided also that in the event of
benefit being payable the maximum
payable in respect of any one claim or
series of claims arising from a single act
of terrorism or series of acts of
terrorism occurring within a 72 hour
period is £2,500,000 in the aggregate.
45
c. any act of terrorism involving the use
or release of, or threat thereof, any
nuclear weapon or any chemical or
biological agents:
radioactivity from any nuclear waste
from the combustion of nuclear fuel, or
the radioactive, toxic, explosive or other
hazardous properties of any explosive
nuclear assembly or nuclear component
thereof or contamination or poisoning
due to the effects of chemical or
biological and/or radioactive substances.
An act of terrorism means an act,
including but not limited to the use of
force or violence and/or threat, of any
person or group(s) of person(s), whether
they are acting alone or on behalf of or in 24.Delay, loss, damage or injury, directly
connection with any organisation(s) or
or indirectly caused by the actual or
government(s), committed for political,
potential inability of any computer, data
religious, ideological or similar purpose
processing equipment or media,
including the intention to influence any
microchip, integrated circuit or similar
government and/or to put the public, or
device, or any computer software or
any section of the public at fear;
stored programme to correctly
recognise any date as its true calendar
d. any loss, damage, cost or expense of any
date or to continue to function correctly
nature that results from or is in
in respect of or beyond that date –
connection with anything mentioned in
except under Section B (Emergency
a), b) or c) above regardless of any other
Medical and Additional Expenses), and
cause or event or sequence of events or
Section D (Personal Accident).
any action taken in controlling,
preventing or suppressing anything
25.Delay, loss, damage or injury, directly
mentioned in a), b) or c) above;
or indirectly caused by the actual or
you are responsible for proving why this
potential inability of any computer,
exclusion, in whole or in part, should not
data processing equipment or media,
be applied. If any portion of this
microchip, integrated circuit or similar
exclusion is found to be invalid or
device, or any computer software or
unenforceable, the remainder of it will
stored programme to correctly operate
remain in force and effect.
as a result of a computer virus – except
under Section B (Emergency Medical
22.Any claim arising from You travelling
and Additional Expenses), and Section
to a country or specific area or event to
D (Personal Accident). Computer
which the Foreign and Commonwealth
viruses include any program or software,
Office (www.gov.uk/foreign-travel-advice)
which prevents any operating system,
or the World Health Organisation
computer program or software working
(www.who.int) has advised the public
properly or at all.
not to travel.
26.Any claim when You have not paid the
23.Loss or destruction or damage or any
appropriate premium for the number of
expense whatsoever resulting from:
days comprising Your planned Trip.
ionising radiation or contamination by
46
If You travel for more than the number
of days for which You have paid for
cover, You will not be covered after the
last day for which You have paid.
34.Any claim arising from Your failure to
obtain the required passport or visa.
27.Loss of any kind arising from the
provision of, or any delay in providing,
the services to which this policy relates,
unless negligence on Our part can be
demonstrated.
28.Any loss or damage directly or
indirectly caused by the provision of, or
any delay in providing, the medical (or
medical related) services to which the
cover under this policy relates, whether
provided by us or by anybody else
(whether or not recommended by us
and/or acting on our behalf) unless
negligence on Our part can be
demonstrated.
29.Any claims relating to a cruise holiday
unless You have either purchased
Premier or Premier Plus cover (and are
under 75 and do not have any preexisting medical conditions unless we
have agreed in writing to cover them) or
You have purchased Premier or Premier
Plus cover and the cruise cover option
as shown on Your policy certificate.
30.Any claim which arises directly or
indirectly from You not being allowed
to board a flight, train, sea vessel, coach
or bus for any reason.
31.Any claim arising from air travel within
24 hours of scuba diving.
32.Any costs recoverable from another source.
33.Any costs incurred by, or on behalf of, any
person who is not insured under this policy.
47
Making a Claim
Important notice: Under the new European
Union (EU) travel regulations, You are
entitled to claim compensation from Your
Carrier if any of the following happen;
of such payment, and it shall be Your sole
First, check Your Policy Certificate and the
appropriate Section of Your policy to make responsibility to make collection of any
sure that what You are claiming for is covered. misdirected payment in the event of
incorrect details having been provided to Us.
For Claims Relating to
Sections A - N Only
Telephone the Claims Helpline on
0333 333 9702 to obtain a claim form,
giving Your name and Policy Certificate
number, and brief details of Your claim.
All claims must be notified within 28 days
of Your return on a policy claim form,
accompanied by original invoices, receipts,
reports, etc. Please refer to the relevant
Section of Your policy for specific conditions
and details of the supporting evidence that
We require. Please remember that it is always
advisable to retain copies of all documents
when submitting Your claim form. We
recommend You use registered post.
In order to handle claims quickly, We may
use appointed claims handling agents.
When claims settlements are made by the
BACS (Bank Automatic Clearing System)
or other electronic banking system method,
You will be responsible for supplying Us
with the correct bank account details and
Your full authority for Us to remit monies
directly to that account. Provided that
payment is remitted to the bank account
designated by You, We shall have no
further liability or responsibility in respect
48
For Claims Relating to
Section O - Legal Protection Only
Telephone the Legal Helpline on 0333 333 9703
For Claims Relating to
Section P - End Supplier Failure Only
Any occurrence which may give rise
to a claim should be advised as soon as
reasonably practicable and in any event
within 14 days to:
IPP Claims Office, IPP House,
22-26 Station Road, West Wickham,
Kent BR4 0PR, United Kingdom
1. Denied boarding and cancelled flights:
If You check in on time but You are
denied boarding because there are not
enough seats available or if Your flight
is cancelled, the Carrier must offer You
financial compensation.
2. Long delays: If Your flight is delayed for
more than 5 hours, the airline must offer
to refund Your ticket.
3. Luggage: If Your checked-in luggage
is damaged or lost by an EU airline,
You must claim compensation from
the Carrier within 7 days. If Your
checked-in luggage is delayed, You must
claim compensation from the Carrier
within 21 days of its return.
You can download full details from
http://ec.europa.eu/transport/passengers/
air/air_en.htm
Telephone: +44 (0)20 8776 3752
Facsimile: +44 (0)20 8776 3751
Email: [email protected]
Website: www.ipplondon.co.uk
IPP will only accept claims submitted up
to 6 months after the failure. Any claims
submitted after the 6 month period will
NOT be processed.
49
Complaints Procedure
Cancellation of Your Policy
If Your complaint relates to the sales literature,
the way in which Your policy was sold
to You over the telephone or online, the
Medical Screening Service or regarding the
information about Your policy, please contact:
IPP House, 22-26 Station Road,
West Wickham, Kent BR4 0PR
Cancellation right: You have a right to cancel
up to 14 days from the date you receive:
Fax: (020) 8776 3751
•The policy document at the start of your
insurance or;
Post Office Travel Insurance, City Park,
368 Alexandra Parade, Glasgow G31 3AU
Our promise of service: We will aim to
provide You with a full response within
4 weeks of the date We receive Your
complaint and Our response will be Our
final decision based on the evidence
presented. If for any reason there is a delay
in completing Our investigations, We will
explain why and tell You when We hope
to reach a decision.
Telephone: 0330 123 1382
If your complaint relates to the way in
which Your Policy was sold to You in any
of our Post Office branches, please contact:
Post Office Customer Care Team
PO Box 3191, Bristol BS1 9HY
Email: [email protected]
In any event, should You remain dissatisfied
or fail to receive a final answer within 8 weeks
of Us receiving Your complaint, You may
Any written correspondence should be
headed ‘COMPLAINT’ and You may include have the right to refer Your complaint to
an independent authority for consideration.
copies of supporting material.
That authority is a Financial Ombudsman
If Your complaint relates to a claim, or
Service (FOS) at:
assistance You received whilst travelling,
Exchange Tower, Harbour Exchange Square,
please contact:
London E14 9SR
Quality Department, Intana, Sussex House,
Telephone: 0800 0234 567 or 0300 1239 123
Perrymount Road, Haywards Heath,
West Sussex RH16 1DN
Please note that if You wish to refer this
matter to the FOS You must do so within
Or email: [email protected]
6 months of Our final decision. You must
If Your complaint relates to Section P,
have completed the above Procedure
End Supplier failure only, please contact:
before the FOS will consider Your case.
The Customer Services Manager
Your legal rights are not affected.
International Passenger Protection Limited,
Tel: 0330 123 0263
50
•The renewal policy documentation for
subsequent periods of insurance.
Should you decide to exercise this
cancellation right, you will be entitled to a
refund of premium provided that You have
not started a trip to which the insurance
applies and You have not made a claim.
For Annual Multi-trip Policies, the 14 day
cancellation period is extended up to the
start date of Your policy
Cancellation by Us: If You fail to satisfy the
terms of Your Policy, We may choose to
cancel Your Policy during the Period of
Insurance by giving You 7 days’ written
notice of cancellation to the last address You
provided Us with. Examples of when We
might do this includes You not paying a
Premium when due, Us discovering that You
are no longer eligible for cover (such as no
longer living in the UK), etc.
Non payment of premiums: We will cancel
the policy immediately by sending you
written notice if you do not pay the premium.
51
Data Protection Act
Financial Services
Compensation Scheme
We collect and maintain personal information
in order to underwrite and administer the
policies of insurance that We issue. All
personal information is treated with the
utmost confidentiality and with appropriate
levels of security. We will not keep Your
information longer than is necessary.
Great Lakes Reinsurance (UK) PLC,
Collinson Insurance Services Limited and
Post Office Limited are covered by the
Financial Services Compensation Scheme
(FSCS). You may be entitled to compensation
from the FSCS, if either are unable to meet
their obligations. More information can be
obtained from the www.fscs.org.uk website.
Your information will be protected from
accidental or unauthorised disclosure.
We will only reveal Your information if it is
allowed by law, authorised by You, to prevent
fraud or in order that We can liaise with Our
agents in the administration of this policy.
Under the terms of the Act You have the
right to ask for a copy of any information
We hold on You upon payment of an
administrative fee and to require a
correction of any incorrect information
held. Any inaccurate or misleading data
will be corrected as soon as possible.
The above principles apply whether We
hold Your information on paper or in
electronic form.
Enquiries in relation to data held by Us
should be directed to the Customer Contact
Centre Manager, Collinson Insurance Services
Limited, Sussex House, Perrymount Road,
Haywards Heath, West Sussex RH16 1DN.
52
53
Great tips for a hassle-free trip
There are so many things to think about before you head off on holiday, so
we’ve compiled a handy checklist to make sure nothing gets left behind:
Before you fly...
• Passport. Remember, it needs to be valid, in good condition and contain
necessary visas.
• Travel Insurance and EHIC. Pack a copy of your Post Office policy, along with your
policy number and useful emergency numbers. It’s also a good idea to take a
European Health Insurance Card (EHIC): visit www.applyehic.org for more details.
• Foreign Currency. Avoid paying high prices for your travel money at the airport
by organising this well in advance. Take a mixture of currency with you, including
cash, a pre-paid currency card and/or travellers cheques. You can buy travel
money at the Post Office, either in branch, over the phone or online.
• Luggage. Many airlines have very strict restrictions on baggage, particularly hand
luggage, with many limiting the maximum size. Liquids, gels and aerosols packed in
cabin bags are also limited. These regulations do change from time to time so always
check with your airline, or by visiting the Department for Transport at dft.gov.uk.
While you’re abroad...
• Mobile Smartphones. Don’t forget to deactivate your data roaming once you arrive
at your destination to avoid large charges while abroad. Always check your network’s
international call tariffs and find local wifi hot-spots to access the internet.
• Health. Remember to stay well-hydrated on holiday, drinking bottled water where
possible. Protect yourself and any children from the sun by regularly applying sun
lotion with a high SPF.
54
55
Don’t forget your
other travel essentials
Check out all these other great holiday services and products available
from the Post Office®.
Travel Money
MoneyGram® service
Great exchange rates and 0% commission
on a wide range of foreign currencies.
Send or receive cash abroad quickly
and securely.
Passport Check & Send
E Top-up
For a small fee, we’ll check your passport
application is filled in correctly and send it
by Special Delivery™.
If you’re on Pay As You Go, you can still
call home from abroad – just remember to
top-up your mobile phone before you leave.
To find out more
Ask us at the counter
Visit us postoffice.co.uk/travel
Call us 0800 107 1293*
Post Office is able to supply customers with this booklet, free of charge, in an alternative
format for people who are visually impaired. To obtain a copy call our helpline on
08457 22 33 44 or textphone 08457 22 33 55 quoting PL1273.
*Calls may be recorded, monitored and used for training and compliance purposes.
Post Office Limited is registered in England and Wales. Registered No. 2154540. Registered Office:
Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office and the Post Office logo are
registered trade marks of Post Office Limited. Post Office Limited, Finsbury Dials, 20 Finsbury Street,
London EC2Y 9AQ, is an appointed representative of Bank of Ireland (UK) plc which is authorised
by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority. Post Office Travel Insurance is underwritten by Great Lakes
Reinsurance (UK) PLC and administered by Collinson Insurance Services Limited, registered in
England and Wales No. 02189462. Registered office Plantation Place, 30 Fenchurch Street, London,
EC3M 3AJ. Great Lakes Reinsurance (UK) PLC is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You
can check this on the Financial Services Register by visiting the website http://www.fsa.gov.uk/
register/firmSearchForm.do or by contacting the Financial Conduct Authority (FCA) on 0800
111 6768. Post Office Management Services Limited is an appointed representative of Resolution
Compliance Limited, which is authorised and regulated by the Financial Conduct Authority, FRN
574048. Post Office Management Services is registered in England and Wales. Registered number
08459718. Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ.
MARCH 2015
Response Code
PL1273